| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID B MILLER3 | 4211 CARMICHAEL ROAD MONTGOMERY, AL 36106 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 8.54% |
| NMA INC3 | 1901 6TH AVENUE N STE 2800 BIRMINGHAM, AL 35203 | NORTHWESTERN MUTUAL | $972 | $117 | $1K | 1.53% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY #240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.80% |
| CORRIE V WILBANKS3 | P.O. BOX 11812 MONTGOMERY, AL 36111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $475 | — | $475 | 0.96% |
| TROY MAXWELL3 Filed as: TROY A MAXWELL | 3320 SKYWAY DR STE 601 OPELIKA, AL 36801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $119 | — | $119 | 0.24% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY #240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.76% |
| CORRIE V WILBANKS3 | PO BOX 11812 MONTGOMERY, AL 36111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $359 | — | $359 | 0.99% |
| TROY MAXWELL3 Filed as: TROY A MAXWELL | 3320 SKYWAY DR STE 601 OPELIKA, AL 36801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $90 | — | $90 | 0.25% |
| DAVID B MILLER3 | 4211 CARMICHAEL ROAD MONTGOMERY, AL 36106 | NORTHWESTERN MUTUAL | $2K | $566 | $3K | 9.20% |
| NMA INC3 | 1901 6TH AVENUE N STE 2800 BIRMINGHAM, AL 35203 | NORTHWESTERN MUTUAL | $449 | $54 | $503 | 1.65% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 244 | $1.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 244 | $1.5M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $86K |
| Short-term disability | NORTHWESTERN MUTUAL | 146 | $31K |
| Long-term disability | NORTHWESTERN MUTUAL | 146 | $71K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 244 | $1.5M |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 244 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.