| 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 | $21K | — | $21K | 9.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY HUDNALL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| JOSEPH A AVERY3 Filed as: JOSEPH A. AVERY | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVERCHASE RIDGE SUITE 200 BIRMINGHAM, AL 35244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | 2 RIVERCHASE RIDGE SUITE 200 BIRMINGHAM, AL 35244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $21K | — | $21K | 9.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY HUDNALL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| JOSEPH A AVERY3 Filed as: JOSEPH A. AVERY | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVERHASE RIDGE SUITE 200 BIRMINGHAM, AL 35244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| JANE A. WHITE3 | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 19.56% |
| THE EVERETTE GROUP, LLC3 | 4251 GOVERNMENT BOULEVARD MOBILE, AL 36693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 7.54% |
| WILLIAM HAROLD OWENS3 | P.O. BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.74% |
| MARTIN E DORSETT3 Filed as: MARTIN E. DORSETT | 6804 STONEBROOK DRIVE N MOBILE, AL 36695 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY E BIRMINGHAM, AL 35244 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| JANE A. WHITE3 | 106 7TH STREET N. SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 45.40% |
| THE EVERETTE GROUP, LLC3 | 4251 GOVERNMENT BOULEVARD MOBILE, AL 36693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.46% |
| WILLIAM HAROLD OWENS3 | P.O. BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.48% |
| ABLE BENEFIT SOLUTIONS3 | 2 RIVERCHASE RIDGE SUITE 200 BIRMINGHAM, AL 35244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 9.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY HUDNALL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $605 | — | $605 | 2.00% |
| JOSEPH A AVERY3 Filed as: JOSEPH A. AVERY | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $605 | — | $605 | 2.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $302 | — | $302 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVERCHASE RIDGE SUITE 200 BIRMINGHAM, AL 35244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $302 | — | $302 | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT, LLC | 1166 AVENUE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT, LLC | 1166 AVENUE 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 | 481 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 409 | $46K |
| Life insurance(3 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 229 | $499K |
| Short-term disability(3 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 229 | $499K |
| Long-term disability(3 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 229 | $499K |
| Other(9 contracts, 5 carriers) | SYMBOL HEALTH SOLUTIONS, LLC | 1,074 | $923K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,074 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.