| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4191 INNSLAKE DRIVE, SUITE 211 GLEN ALLEN, VA 23060 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | $34K | — | $34K | 14.16% |
| KDC BENEFIT SOLUTIONS, INC.3 | 75 SUNRISE CT DEATSVILLE, AL 36022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 5.25% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW INC. | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 5.19% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | $940 | $2K | 1.02% |
| DEMPSEY D BELL3 | 546 BENDER RD MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $483 | $2K | 0.96% |
| LORRAINE D. MCLANEY3 Filed as: LORRAINE MCLANEY | 540 W SPRAGUE JCT ROAD SPRAGUE, AL 36069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.93% |
| HEATHER HORN3 Filed as: HEATHER HORM | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $171 | $1K | 0.77% |
| THOMAS HAYWOOD COWLES3 | 1535 OLD MERIWETHER TRAIL LA PINE, AL 36046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.72% |
| MULTIPLE BENEFITS CORP.3 Filed as: MULTIPLE BROKERS THAT WERE PAID | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $787 | $203 | $990 | 0.63% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $476 | $92 | $568 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4191 INNSLAKE DRIVE, SUITE 211 GLEN ALLEN, VA 23060 | STANDARD INSURANCE COMPANY | $11K | $4K | $16K | 12.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4191 INNSLAKE DRIVE, SUITE 211 GLEN ALLEN, VA 23060 | STANDARD INSURANCE COMPANY | $8K | $3K | $11K | 12.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4191 INNSLAKE DRIVE, SUITE 211 GLEN ALLEN, VA 23060 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 12.08% |
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 | 402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 382 | $239K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 402 | $285K |
| Short-term disability | STANDARD INSURANCE COMPANY | 402 | $84K |
| Long-term disability | STANDARD INSURANCE COMPANY | 402 | $47K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 307 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.