| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID TYLER BURRUS3 | 513 WALKER ROAD PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $1K | $1K | 9.67% |
| 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 | $475 | $0 | $475 | 3.91% |
| TODD BOOZER3 Filed as: TODD A. BOOZER | 2900 CAHABA OAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | $0 | $315 | 2.59% |
| COREY FORTNER3 | 408 RIVER CREST DRIVE NORTH HELENA, AL 35080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $192 | $264 | 2.17% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $13 | $134 | 1.10% |
| CARLA BURWELL3 Filed as: CARLA BURWELL AND OTHER AGENTS | 446 EATON ROAD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $35 | $103 | 0.85% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.60% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $930 | $219 | $1K | 18.52% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $191 | $191 | 3.08% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD ALABAMA | 146 | $548K |
| Vision | VISION SERVICE PLAN | 100 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $6K |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD ALABAMA | 146 | $548K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.