| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 5.67% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $773 | $7K | 3.50% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $609 | $3K | 1.76% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $544 | $3K | 1.27% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AR 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $507 | $2K | 1.15% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $881 | $2K | 1.08% |
| PAIGE PHILLIPS3 | 1434 HIGHWAY 301 CALERA, AL 35040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $46 | $2K | 0.88% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $211 | $1K | 0.70% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $975 | — | $975 | 0.49% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | $70 | $572 | 0.29% |
| FRANK ALVERSON3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $501 | — | $501 | 0.25% |
| MINOR AND ASSOCIATES INC3 | 2146 PRESERVE DRIVE AUBURN, AL 36879 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $425 | $436 | 0.22% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS CROSSROAD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | — | $301 | 0.15% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | — | $229 | 0.12% |
| ASHLEY WIMBERLEY SKELTON3 | 1300 MAGNOLIA CURVE MONTGOMERY, AK 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $42 | $167 | 0.08% |
| CARLA BURWELL3 | 446 EATON ROAD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.08% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $2 | $136 | 0.07% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AR 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.05% |
| AUBURN BENEFITS SOLUTIONS LLC3 | 300 LEE ROAD 669 AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $54 | $107 | 0.05% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.03% |
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DRIVE NORTH PORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| 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 | $7K | 6.12% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AR 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| 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 | — | $4K | $4K | 6.28% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| 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 | — | $4K | $4K | 6.17% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| 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 | — | $3K | $3K | 6.09% |
| SINGLEY AND ASSOCIATES3 | 4268 SHARPSBURG DRIVE MOUNTAIN BROOK, AL 35213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.20% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE INSURANCE CORPORATION | $5K | — | $5K | 10.00% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| 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 | — | $2K | $2K | 6.11% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | — | $209 | 3.50% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $4 | $143 | 2.40% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $3 | $67 | 1.12% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $5 | $63 | 1.06% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $3 | $48 | 0.80% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.62% |
| MONOR AND ASSOCIATES INC3 | 4626 STARBOAR LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $36 | $37 | 0.62% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $4 | $36 | 0.60% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $2 | $28 | 0.47% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS CROSSROAD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| ASHLEY WIMBERLEY SKELTON3 | 1300 MAGNOLIA CURVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.03% |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CORPORATION | 268 | $47K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 414 | $318K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $108K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $94K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 414 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
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.