| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 5.12% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 5.03% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $3K | $24K | 12.66% |
| MJ INSURANCE3 Filed as: LISA MARIE KLEIN AND VARIOUS AGENTS | 1509 KINGS ROAD CANTONMENT, FL 32533 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $2K | $15K | 7.78% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 3.44% |
| AIMEE STONE3 | 2317 GARLAND DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 2.40% |
| TODD BOOZER3 Filed as: TODD A. BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 2.15% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE AND ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 2.09% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $585 | $4K | 1.83% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $13K | 6.81% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE | 68 NAITONAL DRIVE GLASTONBURY, CT 06033 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.89% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC. | 175 SOUTH THIRD STREET, SUITE 800 OLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.75% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.73% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $188K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $188K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $294K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $294K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $294K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.