| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN BIRMINGHAM, AL 35243 | BCS INSURANCE COMPANY | $180K | $0 | $180K | 20.08% |
| PLANNED ADMINISTRATORS, INC.3 | UNKNOWN BIRMINGHAM, AL 35243 | BCS INSURANCE COMPANY | $0 | $130K | $130K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN BIRMINGHAM, AL 35243 | 4 EVER LIFE INSURANCE COMPANY | $17K | $0 | $17K | 22.98% |
| PLANNED ADMINISTRATORS, INC.3 | UNKNOWN BIRMINGHAM, AL 35243 | 4 EVER LIFE INSURANCE COMPANY | $0 | $11K | $11K | 14.50% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | PO BOX 11407 BIRMINGHAM, AL 35246 | USABLE LIFE | $9K | $0 | $9K | 15.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHAGE PARKWAY EAST BIRMINGHAM, AL 35243 | VISION SERVICE PLAN | $817 | $0 | $817 | 4.74% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PARKWAY, SUITE 240 BIRMINGHAM, AL 35243 | VISION SERVICE PLAN | $360 | $0 | $360 | 2.09% |
| BARRY P. ELLIS3 | 420 RIVERCHASE PARKWAY EAST HOOVER, AL 35244 | VISION SERVICE PLAN | $360 | $0 | $360 | 2.09% |
| BRADFORD DILLION3 | 3800 COLONNADE PARKWAY, SUITE 240 BIRMINGHAM, AL 35243 | VISION SERVICE PLAN | $90 | $0 | $90 | 0.52% |
| GRANT BRUNER3 | 420 RIVERCHASE PARKWAY EAST HOOVER, AL 35244 | VISION SERVICE PLAN | $90 | $0 | $90 | 0.52% |
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 | 424 | 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) | 424 | 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 | 703 | $2.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 703 | $2.2M |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 703 | $914K |
| Life insurance(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 424 | $134K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 424 | $75K |
| Long-term disability | USABLE LIFE | 193 | $59K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 223 | $1.3M |
| Other | USABLE LIFE | 193 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.