| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID B MILLER3 | 4211 CARMICHAEL ROAD MONTGOMERY, AL 36106 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 8.74% |
| NMA INC3 | 1901 6TH AVENUE N STE 2800 BIRMINGHAM, AL 35203 | NORTHWESTERN MUTUAL | $949 | $114 | $1K | 1.56% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 12.02% |
| CORRIE V WILBANKS3 | P.O. BOX 11812 MONTGOMERY, AL 36111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| TROY MAXWELL3 Filed as: TROY A MAXWELL | 3320 SKYWAY DR STE 601 OPELIKA, AL 36801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $478 | — | $478 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $437 | — | $437 | 0.92% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $897 | $4K | 11.78% |
| CORRIE V WILBANKS3 | PO BOX 11812 MONTGOMERY, AL 36111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| TROY MAXWELL3 Filed as: TROY A MAXWELL | 3320 SKYWAY DR STE 601 OPELIKA, AL 36801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $333 | — | $333 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $303 | — | $303 | 0.91% |
| DAVID B MILLER3 | 4211 CARMICHAEL ROAD MONTGOMERY, AL 36106 | NORTHWESTERN MUTUAL | $2K | $551 | $3K | 9.39% |
| NMA INC3 | 1901 6TH AVENUE N STE 2800 BIRMINGHAM, AL 35203 | NORTHWESTERN MUTUAL | $437 | $52 | $489 | 1.68% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 258 | $1.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 258 | $1.4M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $81K |
| Short-term disability | NORTHWESTERN MUTUAL | 144 | $29K |
| Long-term disability | NORTHWESTERN MUTUAL | 144 | $68K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 258 | $1.4M |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 258 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.