Ability Plus, Inc.
Updated Filing received by DOL
Ability Plus, Inc., a healthcare & social assistance employer in Huntsville, Alabama, reported 174 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $977,159 in insurance premiums across 6 contracts and $61,272 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on December 31, 2025, before the deadline.
Who was paid on Ability Plus, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Ability Plus, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Cobbs Allen · Birmingham, AL | $37,542 | $3,134 | $40,676 | 3 |
| Amwins Group Benefits, LLC · North Kingstown, RI | $0 | $6,118 | $6,118 | 3 |
| Lakeshore Benefit Alliance, LLC · Birmingham, AL | $6,111 | $0 | $6,111 | 1 |
| Webtpa · Irving, TX | $0 | $5,916 | $5,916 | 1 |
| Lba Service, LLC · Birmingham, AL | $2,407 | $0 | $2,407 | 3 |
| Img · Indianapolis, IN | $0 | $43 | $43 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Bluecross and Blueshield of Alabamahealth, prescription drug, PPO | 148 | $977,159 | — | — |
| The Guardian Life Insurance Company of Americadental, vision | 128 | — | $10,685 | — |
| Prudential Insurance Company of Americalife, short-term disability, long-term disability | 172 | — | $15,774 | — |
| Transamerica Life Insurance Companyhealth, prescription drug | 119 | — | $34,123 | — |
| Memd Inchealth, prescription drug | 6 | — | $82 | — |
| Recuro Health, Inc.health, prescription drug | 115 | — | $608 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Ability Plus, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Premium per covered person on medical contracts: $6,602 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 135 | 174 | +28.9% |
| Premiums filed | $967,557 | $977,159 | not comparable |
| Broker commissions + fees | $56,381 | $61,272 | +8.7% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Ability Plus, Inc. Welfare Plan#502 · insurance | May 31, 2025 | December 31, 2025 | before deadline | 174 |
| Ability Plus Secondary Medical#503 · insurance | May 31, 2025 | December 31, 2025 | before deadline | 127 |
| Ability Plus, Inc.#501 · insurance | June 30, 2025 | December 31, 2025 | before deadline | 111 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Ability Plus, Inc. pay in health insurance broker commissions in 2024?
Ability Plus, Inc.'s 2024 Form 5500 reports $61,272 in broker commissions and fees across 6 insurance contracts ($46,061 in commissions, $15,211 in fees), with Cobbs Allen receiving the largest share.
Is Ability Plus, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Bluecross and Blueshield of Alabama, Transamerica Life Insurance Company, Memd Inc.
How does Ability Plus, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Ability Plus, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.