| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | DEPT. 2142 P.O. BOX 11407 BIRMINGHAM, AL 35246 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $2K | $7K | 10.90% |
| MATTHEW MORRIS3 | 420 RIVERCHASE PKWAY E BIRMINGHAM, AL 35244 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 3.50% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | 2 RIVERCHASE RDG STE 200 HOOVER, AL 35244 | MUTUAL OF OMAHA INSURANCE COMPANY | $593 | — | $593 | 0.88% |
| DAVID ELMORE PLATT III3 Filed as: DAVID E PLATT | 420 RIVERCHASE PKWY E HOOVER, AL 35244 | MUTUAL OF OMAHA INSURANCE COMPANY | $593 | — | $593 | 0.88% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 269 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 269 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 119 | $75K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 119 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 269 | $1.1M |
| Other(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 269 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.