| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5420 LBJ FREEWAY STE 400 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $46K | — | $46K | 14.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 736 S STONE AVE LAGRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $16K | $16K | 5.10% |
| EA LEGACY LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $12K | $12K | 3.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 729 DALLAS AVE SELMA, AL 36702 | CANOPY INSURANCE CORP | $22K | — | $22K | 12.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 729 DALLAS AVE SELMA, AL 36702 | CANOPY INSURANCE CORP | $4K | — | $4K | 9.98% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $517 | — | $517 | 3.33% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | — | $170 | 1.09% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.67% |
| PRESTON ROBERTSON ENTERPRISES INC3 Filed as: PRESTON ROBERTSON ENTERPRISES | 11659 BERRY HILL DR NORTHPORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.28% |
| KELLIE WELLS3 | 16281 SAVOY CT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.27% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.17% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.15% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| SUSAN J GOODSPEED3 | 2866 BROOKSIDE DRIVE MOBILE, AL 36696 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| ROBERT GENE RAMSAY3 | 1836 HARRISON DR GARDENDALE, AL 35071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| LEWIS ASHTON BROCK III3 | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| DKC CONSULTING, INC.3 Filed as: DKC ENTERPRISES LLC | 441 O'NEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC | P O BOX 11407, DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $989 | — | $989 | — |
| NATIONWIDE INSURANCE3 | ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 | NATIONWIDE INSURANCE / GILSBAR | $266K | — | $266K | — |
| HEALTCOMP LLC5 | 2100 COVINGTON CENTRE STE B COVINGTON, LA 70433 | NATIONWIDE INSURANCE / GILSBAR | $29K | — | $29K | — |
| ABE SMITH, INC.3 Filed as: ABE SMITH INC | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE / GILSBAR | $25K | — | $25K | — |
| RALPH M HARBUCK, JR3 Filed as: RALPH MAXWELL HARBUCK JR | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE / GILSBAR | $25K | — | $25K | — |
| ACCURISK SOLUTIONS, LLC0 Filed as: ACCURISK SOLUTIONS LLC | 10 SOUTH LASALLE ST CHICAGO, IL 60603 | NATIONWIDE INSURANCE / GILSBAR | $21K | — | $21K | — |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 414 MEADOWBROOK KLAND BIRMINGHAM, AL 35213 | NATIONWIDE INSURANCE / GILSBAR | $19K | — | $19K | — |
| LBA SERVICE LLC3 | 414 MEADOWBROOK KLAND BIRMINGHAM, AL 35213 | NATIONWIDE INSURANCE / GILSBAR | $4K | — | $4K | — |
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 | 376 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 281 | $1.7M |
| Dental | CANOPY INSURANCE CORP | 0 | $180K |
| Vision | CANOPY INSURANCE CORP | 0 | $42K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 376 | $323K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 376 | $323K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 376 | $307K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 281 | $1.7M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 376 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.