| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 12.76% |
| WILLIAM G. BRUNER3 Filed as: WILLIAM P SWIFT | 420 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| BRADFORD DILLION3 | 2 RIVERCHASE RIDGE #200 BIRMINGHAM, AL 35244 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $670 | — | $670 | 1.00% |
| WILLIAM GRANT BRUNER3 Filed as: WILLIAM BRUNER | 450 RIVERCHASE PKWAY EAST BIRMINGHAM, AL 35244 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $670 | — | $670 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENFEFIT SOLUTIONS | PO BOX 11407 BIMRINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.74% |
| WILLIAM G. BRUNER0 Filed as: WILLIAM P SWIFT | 420 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE #200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $626 | — | $626 | 1.00% |
| WILLIAM G. BRUNER3 Filed as: WILLIAM G BRUNER | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $626 | — | $626 | 1.00% |
| JOSEPH M. KELLEY3 Filed as: JOSEPH M KELLEY | 2700 HIGHWAY 280 S STE 206W MOUNTAIN BROOK, AL 35223 | VISION SERVICE PLAN | $6K | — | $6K | 10.00% |
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 | 487 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 995 | $3.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 995 | $270K |
| Vision | VISION SERVICE PLAN | 317 | $58K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 476 | $63K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 477 | $67K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 995 | $3.9M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 995 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 995 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.