| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 1901 6TH AVE N STE 1720 BIRMINGHAM, AL 35203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | — | $46K | 15.00% |
| REGIONS INSURANCE INC3 | 405 E SAINT PETER ST NEW IBERIA, LA 70560 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 2.44% |
| REGIONS INSURANCE INC3 | P.O. BOX 11407 DEPT 268 BIRMINGHAM, AL 35246 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 9.89% |
| ARONOV INSURANCE INC.3 | P.O. BOX 235000 MONTGOMERY, AL 361235000 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ARONOV INSURANCE INC.3 | P.O. BOX 235000 MONTGOMERY, AL 361235000 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ARONOV INSURANCE INC.3 | P.O. BOX 235000 MONTGOMERY, AL 361235000 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LISA TERRY3 | 3011 JASMINE RD MONTGOMERY, AL 361111100 | VISION SERVICE PLAN | $455 | — | $455 | 4.00% |
| ABLE BENEFIT SOLUTIONS3 | 2 RIVERCHASE RDG STE 200 HOOVER, AL 352442892 | VISION SERVICE PLAN | $455 | — | $455 | 4.00% |
| BRADFORD DILLION3 | 3556 KINGSHILL RD MOUNTAIN BRK, AL 352231471 | VISION SERVICE PLAN | $114 | — | $114 | 1.00% |
| RICHARD E. BYRD3 Filed as: RICHARD BYRD | 3713 TUDOR LN MOBILE, AL 366081526 | VISION SERVICE PLAN | $114 | — | $114 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Contract Administrator Service code 13 | — | $90K |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 112 | $56K |
| Vision | VISION SERVICE PLAN | 68 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $60K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $29K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $310K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.