| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 6087 HUNTSVILLE, AL 35824 | AMERICAN UNITED LIFE INSURANCE COMPANY | $17K | — | $17K | 11.11% |
| JTS FIANCIAL SERVICES3 Filed as: JTS FINANCIAL SERVICES LLS | 415 N MCKINLEY SUITE 305 LITTLE ROCK, AR 72205 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $12K | $12K | 7.56% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $8K | $8K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $870 | $13K | 29.06% |
| DAVID E. FOX3 | 363 BELMONTE DR AUBUR, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $7K | $10K | 22.48% |
| JOSEPH DUCKETT3 | 119 NORTHBROOKE TRACE ATLANTA, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 19.23% |
| JENNINGS P. CHESTER3 | 1433 EBERHART AVE COLUMBUS, GA 31906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 11.74% |
| PJ SKELTON LLC3 | 19 BUNGALOW CT PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $869 | $2K | $2K | 5.65% |
| AMY SMITH FOX3 | 363 BELMONTE DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $745 | $653 | $1K | 3.22% |
| AMELIA ANN BARDEN3 Filed as: AMELIA A. BARDEN | 344 KARIS DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | $404 | $829 | 1.91% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE ST ST. PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $411 | $727 | 1.68% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN & ASSOCIATES LLC | 344 KARIS DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $444 | $280 | $724 | 1.67% |
| ENROLLMENT ALLIANCE LLC3 | 7511 BURLINGTON AVE N ST. PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $38 | $354 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | GREATER GEORGIA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 177.16% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 240 | $162K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 240 | $162K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 240 | $162K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 89 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.