| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 DEPT #2142 BIRMINGHAM, AL 35246 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $796 | $3K | 7.59% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.08% |
| LESLIE W. LYLES3 | 30184 D'OLIVE RIDGE SPANISH FORT, AL 36527 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $826 | — | $826 | 2.32% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVER CHASE RIDGE SUITE 200 BIRMINGHAM, AL 35244 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $222 | — | $222 | 0.62% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIRCLE SPANISH FORT, AL 36527 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $222 | — | $222 | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 NONE | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $112K |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 203 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 203 | $0 |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 117 | $36K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 117 | $36K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 117 | $36K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 117 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.