| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | PO BOX 11407 DEPT 2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $1K | — | $1K | 6.16% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERMAINE JOLLY C/O BCBS OF AL | 420 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | USABLE LIFE | $192 | — | $192 | 0.90% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: DAVID PLATT C/O BCBS OF AL | 420 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | USABLE LIFE | $100 | — | $100 | 0.47% |
| MATTHEW MORRIS3 | 3746 CARISBROOKE DR BIRMINGHAM, AL 35226 | USABLE LIFE | $82 | — | $82 | 0.38% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: STEVEN RICHIE C/O BCBS OF AL | 420 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | USABLE LIFE | $82 | — | $82 | 0.38% |
| WILLIAM GRANT BRUNER3 Filed as: WILLIAM BRUNER | 812 HICKORY TRACE CIRCLE HOOVER, AL 35244 | USABLE LIFE | $18 | — | $18 | 0.08% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | PO BOX 11407 DEPT 2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $1K | — | $1K | 11.08% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERMAINE JOLLY C/O BCBS OF AL | 420 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | USABLE LIFE | $146 | — | $146 | 1.61% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: DAVID PLATT C/O BCBS OF AL | 420 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | USABLE LIFE | $76 | — | $76 | 0.84% |
| MATTHEW MORRIS3 | 3746 CARISBROOKE DR BIRMINGHAM, AL 35226 | USABLE LIFE | $62 | — | $62 | 0.69% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: STEVEN RICHIE C/O BCBS OF AL | 420 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | USABLE LIFE | $62 | — | $62 | 0.69% |
| WILLIAM GRANT BRUNER3 Filed as: WILLIAM BRUNER | 812 HICKORY TRACE CIRCLE HOOVER, AL 35244 | USABLE LIFE | $14 | — | $14 | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 NONE | Float revenue; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Claims processing; Other services; Named fiduciary Service code 12 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35298 | $110K |
| SOUTHERN BENEFIT ADMINISTRATORS EIN 62-1116095 NONE | Plan Administrator Service code 14 | PO BOX 1449 GOODLETTSVILLE, TN 37070 | $68K |
| BHA CONSULTING LLC EIN 26-1384808 NONE | Consulting (general); Actuarial Service code 11 | 5400 LAUREL SPRINGS PKWY SUWANEE, GA 30024 | $27K |
| BANCORPSOUTH BANK EIN 64-0782370 NONE | Custodial (securities); Trustee (bank, trust company, or similar financial institution); Investment management Service code 19 | 2211 HIGHLAND AVE BIRMINGHAM, AL 35205 | $23K |
| DENT, BAKER & COMPANY LLP EIN 63-0352192 NONE | Accounting (including auditing) Service code 10 | 2204 LAKESHORE DR STE 300 BIRMINGHAM, AL 35209 | $15K |
| FEDERATED INVESTORS, INC NONE | Investment management Service code 28 | P.O. BOX 8600 BOSTON, MA 02266 | $0 |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 263 | $153K |
| Life insurance | USABLE LIFE | 263 | $21K |
| Short-term disability | USABLE LIFE | 168 | $9K |
| Stop-loss / reinsurancereinsurance | UNITED TRUST INSURANCE COMPANY | 263 | $84K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 263 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.