| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE SUITE 200 MIRAMAR, FL 33027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $43K | $0 | $43K | 8.42% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE SUITE 200 BIRMINGHAM, AL 35244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $22K | $0 | $22K | 4.30% |
| ABLE BENEFIT SOLUTIONS3 | UNKNOWN RESTON, VA 20190 | AMERICAN UNITED LIFE INSURANCE COMPANY | $442 | $15K | $15K | 3.03% |
| TIMOTHY J REED3 Filed as: TIMOTHY HUDNALL | UNKNOWN RESTON, VA 20190 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.88% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | UNKNOWN RESTON, VA 20190 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.44% |
| KATHRYN S WILLIAMS3 | UNKNOWN RESTON, VA 20190 | AMERICAN UNITED LIFE INSURANCE COMPANY | $454 | $0 | $454 | 0.09% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE SUITE 200 MIRAMAR, FL 33027 | UNION SECURITY INSURANCE COMPANY | $20K | $0 | $20K | 11.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3280 DAUPHIN STREET SUITE B127-A MOBILE, AL 36606 | UNION SECURITY INSURANCE COMPANY | $13K | $0 | $13K | 8.13% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | HARTFORD LIFE AND ACCIDENT | $776 | $0 | $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 | 806 | 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) | 806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNION SECURITY INSURANCE COMPANY | 288 | $164K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 806 | $508K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 806 | $508K |
| Other(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 806 | $689K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.