| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD E. BYRD3 Filed as: RICHARD LEMUEL OTTS JR | 3662 DAUPHIN STREET SUITE 1A MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.50% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY S WATERS | 3662 DAUPHIN STREET SUITE A1 MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.50% |
| RICHARD E. BYRD3 Filed as: RICHARD LEMUEL OTTS JR | 3662 DUPHIN STREET SUITE 1A MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY S WATERS | 3662 DAUPHIN STREET SUITE A1 MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| RICHARD E. BYRD3 Filed as: RICHARD LEMUEL OTTS JR | 3662 DAUPHIN STREET SUITE 1A MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY S WATERS | 3662 DAUPHIN STREET SUITE A1 MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| RICHARD E. BYRD3 Filed as: RICHARD LEMUEL OTTS JR | 3662 DAUPHIN STREET SUITE A1 MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY S WATERS | 3662 DAUPHIN STREET SUITE A1 MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| ANTHONY SCOTT WATERS3 | 3662 DAUPHIN STREET SUITE 1A MOBILE, AL 36608 | VISION SERVICE PLAN | $1K | — | $1K | 5.03% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY S WATERS | 3662 DAUPHIN STREET SUITE A1 MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY S WATERS | 3662 DAUPHIN STREET SUITE A1 MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF ALABAMA | 158 | $1.6M |
| Dental | BLUECROSS AND BLUESHIELD OF ALABAMA | 158 | $1.6M |
| Vision | VISION SERVICE PLAN | 145 | $28K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $137K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $41K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF ALABAMA | 158 | $1.6M |
| Other(5 contracts, 2 carriers) | BLUECROSS AND BLUESHIELD OF ALABAMA | 180 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.