| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 DEPT 2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $4K | — | $4K | 14.63% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: JERMAINE JOLLY | 420 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | USABLE LIFE | $1K | — | $1K | 4.18% |
| WILLIAM GRANT BRUNER3 Filed as: WILLIAM BRUNER | 4696 MCGILL COURT HOOVER, AL 35226 | USABLE LIFE | $422 | — | $422 | 1.46% |
| AMY FRATKIN3 | 420 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | USABLE LIFE | $60 | — | $60 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 NONE | Non-monetary compensation; Other services; Contract Administrator; Direct payment from the plan; Investment management fees paid indirectly by plan; Claims processing; Participant communication; Named fiduciary Service code 12 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35298 | $142K |
| SOUTHERN BENEFIT ADMINISTRATORS EIN 62-1116095 NONE | Plan Administrator Service code 14 | PO BOX 1449 GOODLETTSVILLE, TN 37070 | $73K |
| BHA CONSULTING LLC EIN 26-1384808 NONE | Actuarial; Consulting (general) Service code 11 | 5400 LAUREL SPRINGS PKWY SUWANEE, GA 30024 | $31K |
| HIGHLAND CAPITAL MANAGEMENT EIN 27-5440911 NONE | Investment management Service code 28 | 6075 POPLAR AVE., 703 MEMPHIS, TN 38119 | $22K |
| DANIELS, IRWIN & AYLOR, CPAS EIN 62-1802605 NONE | Accounting (including auditing) Service code 10 | 223 MADISON ST, STE 112 MADISON, TN 37115 | $12K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Custodial (securities); Investment management Service code 19 | 275 SEVENTH AVENUE NEW YORK, NY 100016708 | $6K |
| REYNOLDS CONSULTING SERVICES LLC EIN 20-1899564 NONE | Investment advisory (plan) Service code 27 | 25 NEWBRIDGE RD., STE 205 HICKSVILLE, NY 11801 | $5K |
| QUINN CONNOR WEAVER DAVIES & ROUCO EIN 45-1444874 NONE | Legal Service code 29 | TWO NORTH TWENTIETH 2 20 BIRMINGHAM, AL 35203 | $4K |
| MONEY MARKET FUND NONE | Custodial (securities); Investment management Service code 19 | — | $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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 258 | $170K |
| Life insurance | USABLE LIFE | 258 | $29K |
| Short-term disability | USABLE LIFE | 258 | $29K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 258 | $76K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 258 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
No prospect flags tripped on this filing.