| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | BLUE CROSS BLUE SHIELD | — | — | $0 | 0.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBB ALLEN & HALL | 115 OFFICE PARK DR. STE 200 BIRMINGHAM, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $768 | $768 | 2.97% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND CO INC. | 3500 BLUE LAKE DR. VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $444 | — | $444 | 3.52% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | — | $412 | 3.26% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 1.01% |
| HEATHER HORN3 | 126 REED LANE LOCOST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.73% |
| CARLA BURWELL3 | 446 EATON RD. BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.52% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND CO INC. | 3500 BLUE LAKE DR. VESTAVIA, AL 35243 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 98 | $651K |
| Vision | VISION SERVICE PLAN | 73 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 98 | $651K |
| Other | BLUE CROSS BLUE SHIELD | 98 | $651K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.