| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | DEPTARTMENT #2142 PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $850 | $2K | 14.27% |
| LESLIE WILLARD LYLES3 | 669 SOUTH MCKENZIE STREET SUITE 104 FOLEY, AL 36535 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $645 | — | $645 | 4.00% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION ABLE BENEFIT | 2 RIVERCHASE RIDGE SUITE 200 HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $161 | — | $161 | 1.00% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIRCLE SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $161 | — | $161 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | DEPARTMENT #2142 PO BOX 11407 BIRMINGHAM, AL 35246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $549 | $330 | $879 | 14.41% |
| LESLIE WILLARD LYLES3 | 669 SOUTH MCKENZIE STREET SUITE 104 FOLEY, AL 36535 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $238 | — | $238 | 3.90% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIRCLE SPANISH FORT, AL 36527 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $64 | — | $64 | 1.05% |
| BRADFORD DILLION3 Filed as: BRADFORD SEAN DILLION ABLE BENEFIT | 2 RIVERCHASE RIDGE SUITE 200 HOOVER, AL 35244 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $64 | — | $64 | 1.05% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $16K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.