| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $6K | $21K | 20.66% |
| 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 | $3K | $12K | 20.50% |
| 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 | $3K | $12K | 20.32% |
| 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 | $3K | $10K | 20.79% |
| SINGLEY AND ASSOCIATES3 | 4268 SHARPSBURG DRIVE MOUNTAIN BROOK, AL 35213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.13% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.66% |
| 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 | $2K | $7K | 20.86% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | — | $465 | 2.85% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $194 | $395 | 2.43% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $136 | $277 | 1.70% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $109 | $200 | 1.23% |
| ROBERT H STONE SR3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $90 | $157 | 0.96% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $28 | $139 | 0.85% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $24 | $64 | 0.39% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $20 | $54 | 0.33% |
| ASHLEY WIMBERLEY SKELTON3 | 1300 MAGNOLIA CURVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 0.09% |
| MINOR AND ASSOCIATES INC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO., INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE INSURANCE CORPORATION | $390 | — | $390 | 10.01% |
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 | 394 | 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) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CORPORATION | 610 | $4K |
| Life insurance(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 394 | $125K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $101K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $89K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 336 | $12K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 394 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.