| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92K | $65K | $157K | 6.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE NORTH STE 725 BIRMINGHAM, AL 35203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $114K | — | $114K | 5.03% |
| JOHN DAVID LOWDEN3 | 320 CHESTNUT LANE ALABASTER, AL 35007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | — | $39K | 1.74% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 0.58% |
| JAMES SHEW3 | 450 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 0.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N SUITE 1200 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $34K | — | $34K | 9.16% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $7K | $49K | 17.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $240 | $5 | $245 | 0.09% |
| DIRECTPATH, LLC3 | 120 18TH ST STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $3K | $38K | 29.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVENUE N STE 725 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $757 | — | $757 | 0.59% |
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 | 3,142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,710 | $376K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,142 | $2.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,142 | $2.3M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,142 | $2.3M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,142 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,142 | — |
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.