| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.84% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 11.94% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $609 | $2K | 5.93% |
| MJ INSURANCE3 Filed as: HEATHER HORN AND VARIOUS AGENTS | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $188 | $1K | 3.60% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $210 | $1K | 3.18% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $851 | $373 | $1K | 3.12% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D ARCIPRETE AND ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $428 | $480 | $908 | 2.32% |
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE SR. | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $491 | $224 | $715 | 1.82% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 11.76% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $467 | $168 | $635 | 2.83% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $527 | $66 | $593 | 2.64% |
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE SR AND OTHER AGENTS | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $432 | $101 | $533 | 2.37% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $353 | $112 | $465 | 2.07% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $344 | $30 | $374 | 1.67% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D ARCIPRETE AND ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $180 | $149 | $329 | 1.47% |
| STEPHEN C. LANZA3 | 300 CAHABA PARK CIRCLE SUITE 133 BIRMINGHAM, AL 35242 | KANSAS CITY LIFE INSURANCE COMPANY | $457 | $0 | $457 | 4.98% |
| WILLIAM HARTSFIELD, JR.3 Filed as: WILLIAM HARTSFIELD | 17 PEACHTREE STREET MOUNTAIN BROOK, AL 35213 | KANSAS CITY LIFE INSURANCE COMPANY | $454 | $0 | $454 | 4.95% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 49 | $9K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 228 | $55K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 228 | $55K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 228 | $55K |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 228 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.