| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | HARTFORD LIFE AND ACCIDENT | $5K | $108 | $5K | 9.02% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 13.34% |
| PAIGE PHILLIPS3 Filed as: PAIGE PHILLIPS AGENCY LLC | 1434 HIGHWAY 301 CALERA, AL 35040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.45% |
| DAN SINGLEY3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.70% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $903 | $122 | $1K | 1.99% |
| ROBERT H STONE SR3 Filed as: ROBERT STONE | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $698 | $36 | $734 | 1.43% |
| ANGELA YOUNG3 | 601 SAINT PAUL STREET PELL CITY, AL 35125 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $503 | $0 | $503 | 0.98% |
| MJ INSURANCE3 Filed as: CAROLE WARREN AND VARIOUS AGENTS | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $452 | $0 | $452 | 0.88% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 13.17% |
| DAN SINGLEY3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $828 | $0 | $828 | 2.34% |
| PAIGE PHILLIPS3 Filed as: PAIGE PHILLIPS AGENCY LLC | 1434 HIGHWAY 301 CALERA, AL 35040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $634 | $0 | $634 | 1.79% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $450 | $37 | $487 | 1.37% |
| MJ INSURANCE3 Filed as: CAROLE WARREN AND VARIOUS AGENTS | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $374 | $0 | $374 | 1.06% |
| ROBERT H STONE SR3 Filed as: ROBERT STONE | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $11 | $300 | 0.85% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $0 | $135 | 0.38% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | AMERITAS LIFE INSURANCE CORP. | $1K | $43 | $2K | 10.29% |
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 | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 187 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 120 | $56K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 120 | $56K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 120 | $56K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 120 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.