| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN WOOD3 | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $39K | $0 | $39K | 3.92% |
| GARY L MCCLURE3 Filed as: GARY MCCLURE | 1240 FAIR WAY STREET BOWLING GREEN, KY 42103 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $22 | $0 | $22 | 0.00% |
| S S NESBITT & CO INC3 Filed as: S. S. NESBITT & CO., INC. | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 16.50% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | PO BOX 1779 BOWLING GREEN, KY 42102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $885 | $0 | $885 | 1.18% |
| S S NESBITT & CO INC3 Filed as: S. S. NESBITT & CO. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | DELTA DENTAL OF TENNESSEE | $4K | $0 | $4K | 6.99% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | DELTA DENTAL OF TENNESSEE | $283 | $0 | $283 | 0.51% |
| S S NESBITT & CO INC3 Filed as: S. S. NESBITT AND CO., INC. | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $358 | $5K | 12.31% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $145 | $2K | 4.19% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $670 | $2K | 3.98% |
| TODD ALAN BOOZER3 | 4213 OLD LEEDS LANE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.80% |
| ROBERT H STONE SR3 Filed as: ROBERT H STONE, SR. AND VAR. AGENTS | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $674 | $179 | $853 | 2.00% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $359 | $617 | 1.44% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $430 | $84 | $514 | 1.20% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 181 | $1000K |
| Dental | DELTA DENTAL OF TENNESSEE | 181 | $56K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 181 | $1000K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $75K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $75K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 181 | $1000K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.