| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $186K | $0 | $186K | 17.98% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | $0 | $150K | $150K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $12K | $0 | $12K | 18.00% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | $0 | $9K | $9K | 14.50% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOULTIONS INC. | PO BOX 11407 DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $4K | $0 | $4K | 9.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ELLIS, BARRY C/O BCBS OF ALABAMA | 420 RIVERCHASE PARKWAY E BIRMINGHAM, AL 35244 | USABLE LIFE | $2K | $0 | $2K | 4.00% |
| BRUNER, WILLIAM3 | 812 HICKORY TRACE CIRCLE HOOVER, AL 35244 | USABLE LIFE | $448 | $0 | $448 | 1.00% |
| DILLION, BRADFORD3 | 3556 KINGSHILL ROAD MOUNTAIN BROOK, AL 35223 | USABLE LIFE | $448 | $0 | $448 | 1.00% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 995 | $2.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 995 | $2.2M |
| Vision | BCS INSURANCE COMPANY | 995 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 405 | $109K |
| Short-term disability(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 405 | $109K |
| Long-term disability | USABLE LIFE | 224 | $45K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 279 | $1.2M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 279 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 995 | — |
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.