| 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 35223 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.62% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 17.07% |
| MJ INSURANCE3 Filed as: HEATHER HORN AND VARIOUS AGENTS | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 12.70% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $887 | $3K | 9.17% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 8.37% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 8.10% |
| DAN HENRY SINGLEY III3 Filed as: DAN HENRY SINGLEY LLL | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 7.54% |
| LISA MARIE KLEIN3 | 1509 KINGS ROAD CANTONMENT, FL 32533 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $558 | $2K | 6.90% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $698 | $3K | 10.39% |
| MJ INSURANCE3 Filed as: CAROLE H WARREN AND VARIOUS AGENTS | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 7.26% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $334 | $2K | 5.91% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE AND ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $633 | $1K | $2K | 5.07% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $844 | $754 | $2K | 4.91% |
| DAN HENRY SINGLEY III3 Filed as: DAN HENRY SINGLEY LLL | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $785 | $757 | $2K | 4.74% |
| LISA MARIE KLEIN3 | 1509 KINGS ROAD CANTONMENT, FL 32533 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $983 | $326 | $1K | 4.02% |
| STEPHEN C. LANZA3 | 4505 PINE TREE CIRCLE SUITE 201 VESTAVIA, AL 35243 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.79% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 46 | $11K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 214 | $56K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 214 | $56K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 214 | $56K |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 214 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.