| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $200K | — | $200K | 19.67% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $148K | $148K | 14.50% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS INC. | PO BOX 11407 DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $7K | — | $7K | 8.93% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ELLIS, BARRY C/O BCBS OF ALABAMA | 420 RIVERCHASE PARKWAY E BIRMINGHAM, AL 35244 | USABLE LIFE | $3K | — | $3K | 4.07% |
| BRUNER, WILLIAM3 | 812 HICKORY TRACE CIRCLE HOOVER, AL 35244 | USABLE LIFE | $814 | — | $814 | 1.00% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $13K | — | $13K | 21.97% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $9K | $9K | 14.50% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE240 BIRMINGHAM, AL 352433370 | VISION SERVICE PLAN | $832 | — | $832 | 4.00% |
| BARRY P. ELLIS3 | 420 RIVERCHASE PKWY E HOOVER, AL 352441815 | VISION SERVICE PLAN | $832 | — | $832 | 4.00% |
| BRADFORD DILLION3 | 3800 COLONNADE PKWY STE240 BIRMINGHAM, AL 352433370 | VISION SERVICE PLAN | $208 | — | $208 | 1.00% |
| GRANT BRUNER3 | 420 RIVERCHASE PKWY E HOOVER, AL 352441815 | VISION SERVICE PLAN | $208 | — | $208 | 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 | 877 | 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) | 877 | 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 | 877 | $2.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 877 | $2.6M |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 877 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 499 | $141K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 499 | $141K |
| Long-term disability | USABLE LIFE | 260 | $81K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 323 | $1.6M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 323 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.