| 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 | $51K | — | $51K | 9.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY HUDNALL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 2.00% |
| JOSEPH A AVERY3 Filed as: JOSEPH A. AVERY | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 2.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 2 RIVERCHASE RIDGE SUITE 200 BIRMINGHAM, AL 35244 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 1.00% |
| JANE A. WHITE3 | 106 7TH STREET N. SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 28.83% |
| THE EVERETTE GROUP, LLC3 | 4251 GOVERNMENT BOULEVARD MOBILE, AL 36693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.31% |
| WILLIAM HAROLD OWENS3 | P.O. BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.28% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.76% |
| THE EVERETTE GROUP, LLC3 Filed as: THE EVERETTE GROUP LLC | 4251 GOVERNMENT BOULEVARD MOBILE, AL 36693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.84% |
| WILLIAM HAROLD OWENS3 | PO BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $467 | — | $467 | 0.86% |
| 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 | 10.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT, LLC | 1166 AVENUE OF AMERICAS 22F NEW YORK, NY 100360000 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| 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% |
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 | 449 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 389 | $46K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 431 | $566K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 431 | $566K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 431 | $566K |
| Other(7 contracts, 5 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,086 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,086 | — |
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.