| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | $18K | $3K | $21K | 10.35% |
| JOHN KAY3 Filed as: JOHN DAVID KAY | 2010 CLUB DRIVE SUITE 101 GADSDEN, AL 35901 | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 3.90% |
| 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 | $2K | — | $2K | 1.05% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION | ABLE BENEFIT SOLUTIONS 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.05% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY E BIRMINGHAM, AL 35244 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 DEPARTMENT 2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $2K | — | $2K | 6.00% |
| JOHN KAY3 | 2010 CLUB DRIVE, SUITE 101 GADSDEN, AL 35901 | USABLE LIFE | $1K | — | $1K | 4.00% |
| JAMES M WATKINS3 Filed as: JAMES WATKINS | C/O BCBS AL HUNTSVILLE OFFICE 495 WYNN DRIVE HUNTSVILLE, AL 35805 | USABLE LIFE | $251 | — | $251 | 1.00% |
| DILLON, BRADFORD3 Filed as: DILLON BRADFORD | 3556 KINDSHILL RD MOUNTAIN BROOK, AL 35223 | USABLE LIFE | $62 | — | $62 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 | Contract Administrator Service code 13 | — | $197K |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 102 | $23K |
| Vision | VISION SERVICE PLAN | 212 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | 234 | $226K |
| Short-term disability | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | 234 | $201K |
| Long-term disability | UNITED MUTUAL OMAHA LIFE INSURANCE COMPANY | 234 | $201K |
| Other | USABLE LIFE | 211 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.