| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | $31K | — | $31K | 13.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $140 | $14K | 7.66% |
| ERIN COX3 | 390 MELISON DRIVE PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $230 | $5K | 2.72% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW INC. | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.03% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $359 | $4K | 2.02% |
| MULTIPLE BENEFITS CORP.3 Filed as: MULTIPLE BROKERS THAT WERE PAID | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $577 | $4K | 1.99% |
| DEMPSEY D BELL3 | 546 BENDER RD MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 1.62% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $117 | $2K | 1.39% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $813 | $1K | $2K | 1.06% |
| HEATHER HORN3 Filed as: HEATHER HORM | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $171 | $2K | 0.96% |
| KENNETH D. COX3 Filed as: KENNETH D COX | 390 MELISON DRIVE PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.88% |
| THOMAS HAYWOOD COWLES3 | 1535 OLD MERIWETHER TRAIL LA PINE, AL 36046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.61% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BRIMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $589 | $171 | $760 | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $12K | $4K | $17K | 11.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $9K | $3K | $12K | 13.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 11.88% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 388 | $236K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 404 | $319K |
| Short-term disability | STANDARD INSURANCE COMPANY | 404 | $89K |
| Long-term disability | STANDARD INSURANCE COMPANY | 404 | $50K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 289 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.