| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 | 2 RIVERCHASE RIDGE SUITE 200 BIRMINGHAM, AL 35244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $36K | $10K | $46K | 11.59% |
| JOSEPH A AVERY3 Filed as: JOSEPH AVERY | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 2.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY HUDNALL | 4750 AIRPORT BLVD. MOBILE, AL 36608 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 2.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 4750 AIRPORT BLVD. MOBILE, AL 36608 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 10 MONTEVALLO TER. MOUNTAIN BRK, AL 35213 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT, LLC | 1166 AVE. OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 507 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 431 | $49K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 502 | $395K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 502 | $395K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 502 | $395K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 508 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.