| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | DEPT 2142, P.O. BOX 11407 BIRMINGHAM, AL 352462142 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 9.00% |
| RODNEY BROOKS3 | 495 WYNN DR HUNTSVILLE, AL 35805 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.00% |
| BRADFORD DILLION3 | STW 200, 2 RIVERCHASE RIDGE BIRMINGHAM, AL 35244 | HARTFORD LIFE AND ACCIDENT | $401 | — | $401 | 1.00% |
| JAMES M WATKINS3 Filed as: JAMES WATKINS | 495 WYNN DR HUNTSVILLE, AL 35805 | HARTFORD LIFE AND ACCIDENT | $401 | — | $401 | 1.00% |
| ANTHONY SHAWN CARTER3 | 100 CONCOURSE PKWY STE 350 HOOVER, AL 352441835 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $974 | — | $974 | 5.38% |
| CHRISTOPHER CAMP3 | 100 CONCOURSE PKWY STE 350 HOOVER, AL 352441835 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $108 | — | $108 | 0.60% |
| CHRISTIA WOODFORD3 | 100 CONCOURSE PKWY STE 350 HOOVER, AL 352441835 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $65 | — | $65 | 0.36% |
| ALEXIS DAVIS3 | 100 CONCOURSE PKWY STE 350 HOOVER, AL 352441835 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $28 | — | $28 | 0.15% |
| RONDA BREWSTER3 | 100 CONCOURSE PKWY STE 350 HOOVER, AL 352441835 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.15% |
| LORI CASH-HOLDER3 | 100 CONCOURSE PKWY STE 350 HOOVER, AL 352441835 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $19 | — | $19 | 0.10% |
| JANSON CUTHRELL3 | 100 CONCOURSE PKWY STE 350 HOOVER, AL 352441835 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| DANIEL MORREN3 | 100 CONCOURSE PKWY STE 350 HOOVER, AL 352441835 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| BEN WILLIAMS3 | 100 CONCOURSE PKWY STE 350 HOOVER, AL 352441835 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER-TN | P.O. BOX 70 WEST POINT, GA 318330070 | VISION SERVICE PLAN | $507 | — | $507 | 3.29% |
| ABLE BENEFIT SOLUTIONS3 | 2 RIVERCHASE RDG STE 200 HOOVER, AL 352442892 | VISION SERVICE PLAN | $414 | — | $414 | 2.69% |
| GLORIA HESS3 | 117 WOOD CREEK DR MADISON, AL 357586310 | VISION SERVICE PLAN | $414 | — | $414 | 2.69% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY | 17500 CHENAL PARKWAY, STE 150 LITTLE ROCK, AR 72223 | VISION SERVICE PLAN | $207 | — | $207 | 1.34% |
| BRADFORD DILLION3 | 10 MONTEVALLO TER MOUNTAIN BROOK, AL 352134422 | VISION SERVICE PLAN | $103 | — | $103 | 0.67% |
| JAMES M WATKINS3 Filed as: JAMES WATKINS | 495 WYNN DR NW HUNTSVILLE, AL 358051978 | VISION SERVICE PLAN | $103 | — | $103 | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 10 INVERNESS STR PKWY STE 400 BIRMINGHAM, AL 35242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $903 | — | $903 | 11.23% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $182 | — | $182 | 2.26% |
| RODNEY BROOKS3 Filed as: RODNEY D BROOKS | 495 WYNN DR HUNTSVILLE, AL 35805 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $81 | — | $81 | 1.01% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.25% |
| JAMES M WATKINS3 | 495 WYNN DR HUNTSVILLE, AL 35805 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 10 INVERNESS STR PKWY STE 400 BIRMINGHAM, AL 35242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $507 | — | $507 | 12.31% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 BIRMINGHAM, AL 352462141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $67 | — | $67 | 1.63% |
| RODNEY BROOKS3 Filed as: RODNEY D BROOKS | 495 WYNN DR HUNTSVILLE, AL 35805 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30 | — | $30 | 0.73% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7 | — | $7 | 0.17% |
| JAMES M WATKINS3 | 495 WYNN DR HUNTSVILLE, AL 35805 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7 | — | $7 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 10 INVERNESS STR PKWY STE 400 BIRMINGHAM, AL 35242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $360 | — | $360 | 11.24% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 BIRMINGHAM, AL 352462142 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72 | — | $72 | 2.25% |
| RODNEY BROOKS3 Filed as: RODNEY D BROOKS | 495 WYNN DR HUNTSVILLE, AL 35805 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32 | — | $32 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE 200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.25% |
| JAMES M WATKINS3 | 495 WYNN DR HUNTSVILLE, AL 35805 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.25% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 233 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 233 | $1.2M |
| Vision | VISION SERVICE PLAN | 91 | $15K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 153 | $47K |
| Short-term disability | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 62 | $18K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 233 | $1.2M |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 233 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.