| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $4K | $17K | 16.97% |
| N | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MURFEE MEADOWS INC3 Filed as: MURFEE MEADOWS INC. | 120 OFFICE PARK DR STE 100 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E HOOVER, AL 352442858 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| DIRECTPATH, LLC3 | 120 18TH STREET S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 2.39% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC. | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 1.57% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 228 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 228 | $1.5M |
| Vision | VISION SERVICE PLAN | 84 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $100K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 228 | $1.5M |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 228 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.