| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $1K | $18K | 8.18% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $7K | $16K | 6.95% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 2.52% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $360 | $3K | 1.29% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 1.23% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS CROSSROAD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $421 | $3K | 1.18% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $340 | $2K | 1.04% |
| PAIGE PHILLIPS3 | 1434 HIGHWAY 301 CALERA, AL 35040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $593 | $2K | 0.77% |
| ROBERT H STONE SR3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $794 | $545 | $1K | 0.59% |
| CARLA BURWELL3 | 446 EATON ROAD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $46 | $1K | 0.48% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $881 | $72 | $953 | 0.42% |
| ASHLEY WIMBERLEY SKELTON3 | 1300 MAGNOLIA CURVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $897 | $48 | $945 | 0.42% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $637 | $54 | $691 | 0.31% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $643 | — | $643 | 0.28% |
| TODD ALAN BOOZER3 | 4213 OLD LEEDS LANE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $486 | — | $486 | 0.22% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | $52 | $457 | 0.20% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | $123 | $416 | 0.18% |
| LISA MARIE KLEIN3 | 1509 KINGS ROAD CANTONMENT, FL 32533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | — | $256 | 0.11% |
| BARBARA ESTES3 | 2404 33RD STREET VALLEY, AL 36854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $13 | $151 | 0.07% |
| ASSURED BENEFIT SERVICES INC3 | SUITE 102 NEWNAN, GA 30263 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $12 | $150 | 0.07% |
| OMS OF NORTHWEST FLORIDA INC3 | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $34 | $101 | 0.04% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 682 VALLEY VIEW ROAD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $27 | $94 | 0.04% |
| KELLIE WELLS3 | 9600 COLUMBUS AVENUE FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.04% |
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DRIVE NORTH PORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $3K | $18K | 17.95% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.78% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.59% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & COMPANY, INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE INSURANCE CORPORATION | $5K | — | $5K | 9.70% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.13% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 17.98% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $1 | $192 | 2.90% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $10 | $140 | 2.11% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $3 | $63 | 0.95% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $1 | $46 | 0.69% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.68% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.60% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $2 | $32 | 0.48% |
| ROBERT H STONE SR3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $1 | $16 | 0.24% |
| TODD ALAN BOOZER3 | 4213 OLD LEEDS LANE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.17% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS CROSSROAD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.05% |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CORPORATION | 308 | $52K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 420 | $342K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $101K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $95K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 368 | $99K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 420 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.