| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35253 | HARTFORD LIFE AND ACCIDENT | $5K | $264 | $5K | 10.63% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35253 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $67 | $6K | 15.13% |
| DAN SINGLEY3 | 4268 SHARPSBURG DRIVE MOUNTAIN BROOK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $666 | $0 | $666 | 1.57% |
| ROBERT H STONE SR3 Filed as: ROBERT STONE | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $407 | $233 | $640 | 1.51% |
| PAIGE PHILLIPS3 Filed as: PAIGE PHJILLIPS AGENCY | 1434 HIGHWAY 301 CALERA, AL 35040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $628 | $0 | $628 | 1.48% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | UNKNOWN CRANSON, RI 02920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $368 | $207 | $575 | 1.36% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $366 | $0 | $366 | 0.86% |
| MJ INSURANCE3 Filed as: CAROLE WARREN AND VARIOUS AGENTS | 2716 HANOVER CIRCLE S APARTMENT 801 BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $353 | $6 | $359 | 0.85% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35253 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $6 | $4K | 14.60% |
| DAN SINGLEY3 | 4268 SHARPSBURG DRIVE MOUNTAIN BROOK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $589 | $0 | $589 | 1.93% |
| MJ INSURANCE3 Filed as: CAROLE WARREN AND VARIOUS AGENTS | 2716 HANOVER CIRCLE S APARTMENT 801 BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $298 | $0 | $298 | 0.98% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.71% |
| ROBERT H STONE SR3 Filed as: ROBERT STONE | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $27 | $162 | 0.53% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | UNKNOWN CRANSON, RI 02920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $143 | $2 | $145 | 0.47% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.41% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35253 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 191 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 144 | $52K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 144 | $52K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 144 | $52K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 144 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.