| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN KAY3 Filed as: JOHN DAVID KAY | 2010 CLUB DRIVE SUITE 101 GADSDEN, AL 35901 | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 8.10% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 DEPT #2142 BIRMINGHAM, AL 35246 | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.80% |
| JAMES M WATKINS3 Filed as: JAMES MICHAEL WATKINS | BLUE CROSS BLUE SHIELD 495 WYNN DR NW HUNTSVILLE, AL 35805 | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS 2 RIVERCHASE RIDGE SUITE 200 HOOVER, AL 35244 | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 DEPARTMENT 2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $986 | — | $986 | 4.10% |
| JOHN KAY3 | 2010 CLUB DRIVE, SUITE 101 GADSDEN, AL 35901 | USABLE LIFE | $563 | — | $563 | 2.34% |
| JAMES M WATKINS3 Filed as: JAMES WATKINS | C/O BCBS AL HUNTSVILLE OFFICE 495 WYNN DRIVE HUNTSVILLE, AL 35805 | USABLE LIFE | $141 | — | $141 | 0.59% |
| MURFEE MEADOWS INC3 Filed as: MURFEE MEADOWS, INC. | 120 OFFICE PARK DRIVE, SUITE 100 BIRMINGHAM, AL 35223 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 17.90% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 404 | $2.0M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 404 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | 224 | $155K |
| Short-term disability(2 contracts, 2 carriers) | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | 224 | $148K |
| Long-term disability(2 contracts, 2 carriers) | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | 224 | $148K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 404 | $2.0M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 404 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.