| 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 MOUNTAIN BROOK, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 12.96% |
| DAN HENRY SINGLEY III3 Filed as: DAN HENRY SIGNLEY III | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $21 | $2K | 3.62% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $448 | $2K | 3.39% |
| SHANNON RALEY3 Filed as: SHANNON RALEY AND VARIOUS | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $31 | $1K | 2.67% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $233 | $1K | 2.61% |
| PAIGE PHILLIPS3 Filed as: PAIGE PHILLIPS AGENCY, LLC | 1434 HIGHWAY 301 CALERA, AL 35040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $990 | $0 | $990 | 2.06% |
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE SR. | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $724 | $172 | $896 | 1.87% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 11.71% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 12.87% |
| DAN HENRY SINGLEY III3 Filed as: DAN HENRY SIGNLEY III | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $680 | $4 | $684 | 2.65% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $411 | $136 | $547 | 2.12% |
| PAIGE PHILLIPS3 Filed as: PAIGE PHILLIPS AGCY AND MISC AGENTS | 1434 HIGHWAY 301 CALERA, AL 35040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $433 | $2 | $435 | 1.69% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $361 | $43 | $404 | 1.57% |
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE SR. | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $191 | $32 | $223 | 0.86% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $2 | $173 | 0.67% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | AMERITAS LIFE INSURANCE CORP. | $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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 162 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 120 | $48K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 120 | $48K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 120 | $48K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 120 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.