| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANET CARADINE3 | 34 ABBOTT SQ BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $6K | $8K | 16.85% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 9.56% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIR VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $653 | $2K | 5.05% |
| CAROLE H WARREN3 | 2716 HANOVER CIR BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $453 | $2K | 3.57% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $685 | $831 | $2K | 3.20% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $323 | $1K | 2.81% |
| SHANNON RALEY3 | 1409 PANORAMA DR VESTAVIA HILLS, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $129 | $1K | 2.58% |
| PAIGE PHILLIPS3 | 1434 HWY 301 CALERA, AL 35040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $529 | $8 | $537 | 1.13% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | $27 | $262 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12750 MERIT DR STE 1000 DALLAS, TX 75251 | UNITED OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.65% |
| S S NESBITT & CO INC3 Filed as: SS NESBIT & CO INC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | UNITED OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.25% |
| S S NESBITT & CO INC3 Filed as: SS NESBIT & CO INC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | UNITED OMAHA LIFE INSURANCE COMPANY | $854 | — | $854 | 2.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12750 MERIT DR STE 1000 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 13.04% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.43% |
| S S NESBITT & CO INC Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $620 | — | $620 | 1.96% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 11.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12750 MERIT DR STE 1000 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.43% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $495 | — | $495 | 4.57% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 151 | $90K |
| Short-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 70 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.