| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE, SUITE 625 BIRMINGHAM, AL 35242 | COMPANION LIFE INSURANCE COMPANY | $12K | $4K | $16K | 13.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $31 | $5K | 9.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $702 | $702 | 1.36% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $127 | $2K | 4.94% |
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE SR. | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $330 | $2K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1350 TUSCALOOSA, AL 35403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $4 | $2K | 3.73% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $760 | $187 | $947 | 2.13% |
| MJ INSURANCE3 Filed as: OMS OF NORTHWEST AND VARIOUS AGENTS | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $483 | $14 | $497 | 1.12% |
| TODD BOOZER3 | 2900 CAHABA CIRCLE BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $446 | $0 | $446 | 1.00% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $342 | $0 | $342 | 0.77% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE, SUITE 400 BIRGMINGHAM, AL 35242 | TELADOC HEALTH, INC. | $664 | $0 | $664 | 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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 220 | $962K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 220 | $840K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $52K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $52K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 47 | $44K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $52K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 220 | $840K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.