| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | AMERICAN UNITED LIFE INSURANCE COMPANY | $43K | $13K | $56K | 13.58% |
| TIMOTHY A. HUDNALL3 | 55 NORTH SUMMIT STREET FAIRHOPE, AL 36532 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | — | $9K | 2.09% |
| KATHRYN S WILLIAMS3 Filed as: KATHRYN S. WILLIAMS | 408 RIDGELAWN DRIVE WEST MOBILE, AL 36608 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | — | $9K | 2.08% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIRCLE SPANISH FORT, AL 36527 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 1.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3280 DAUPHIN STREET, SUITE B127-A MOBILE, AL 36606 | UNION SECURITY INSURANCE COMPANY | $24K | — | $24K | 18.07% |
| CARTER HARRISON DRANE3 | PO BOX 82228 MOBILE, AL 36689 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 1.77% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | HARTFORD LIFE AND ACCIDENT | $776 | — | $776 | 15.00% |
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 | 682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNION SECURITY INSURANCE COMPANY | 231 | $133K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 682 | $412K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 682 | $412K |
| Other(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 682 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.