| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | PO BOX 11407 STE 1720 BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | $7K | $45K | 12.11% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 INDEPENDENCE PLZ BIRMINGHAM, LA 35209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 2.39% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP, LLC | 5020 UTICA ST METAIRIE, LA 70006 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 2.28% |
| REGIONS INSURANCE INC3 | PO BOX 11407 DEPT 268 BIRMINGHAM, AL 35246 | UNION SECURITY INSURANCE COMPANY | $3K | $655 | $4K | 8.24% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 INDEPENDENCE PLAZA BIRMINGHAM, AL 352092629 | UNION SECURITY INSURANCE COMPANY | $767 | — | $767 | 1.52% |
| ARONOV INSURANCE INC.3 | P.O. BOX 235000 MONTGOMERY, AL 361235000 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.99% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GRP LLC | 5020 UTICA ST METAIRIE, LA 70006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $335 | — | $335 | 1.01% |
| ARONOV INSURANCE INC.3 Filed as: ARONOV INSURANCE INC | P.O. BOX 235000 MONTGOMERY, AL 361235000 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.66% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GRP LLC | 5020 UTICA ST METAIRIE, LA 70006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $386 | — | $386 | 1.34% |
| ARONOV INSURANCE INC.3 Filed as: ARONOV INSURANCE INC | P.O. BOX 235000 MONTGOMERY, AL 361235000 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.09% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GRP LLC | 5020 UTICA STREET METAIRIE, LA 70006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $235 | — | $235 | 0.91% |
| LISA TERRY3 | 3011 JASMINE RD MONTGOMERY, AL 361111100 | VISION SERVICE PLAN | $278 | — | $278 | 3.36% |
| ABLE BENEFIT SOLUTIONS3 | 2 RIVERCHASE RDG STE 200 HOOVER, AL 352442892 | VISION SERVICE PLAN | $278 | — | $278 | 3.36% |
| BABCOCK CONSULTING GROUP LLC3 Filed as: BABCOCK CONSULTING GROUP | 5020 UTICA ST METAIRIE, LA 700066444 | VISION SERVICE PLAN | $131 | — | $131 | 1.58% |
| BRADFORD DILLION3 | 3556 KINGSHILL RD MOUNTAIN BRK, AL 352231471 | VISION SERVICE PLAN | $70 | — | $70 | 0.85% |
| RICHARD E. BYRD3 Filed as: RICHARD BYRD | 513 ARTESIAN SPRINGS DR FAIRHOPE, AL 365328700 | VISION SERVICE PLAN | $22 | — | $22 | 0.27% |
| TROY MAXWELL3 | 3320 SKYWAY DR STE 601 OPELIKA, AL 368017138 | VISION SERVICE PLAN | $19 | — | $19 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Contract Administrator Service code 13 | — | $74K |
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 | 118 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 91 | $50K |
| Vision | VISION SERVICE PLAN | 61 | $8K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $29K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $370K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.