| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN WOOD3 | 1346 INDIAN CREST DRIVE INDIAN SPRINGS, AL 35124 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $9K | — | $9K | 8.60% |
| MARTIN GRACE BENEFIT GROUP INC3 Filed as: MARTIN GRACE BENEFIT GROUP | P O BOX 130843 BIRMINGHAM, AL 35213 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $3K | — | $3K | 3.30% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | AMERICAN UNITED LIFE INSURANCE | $10K | — | $10K | 15.00% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $178 | $2K | 8.09% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $434 | $191 | $625 | 3.16% |
| KELLIE WELLS3 | 9576 COLUMBUS AVE FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $201 | $527 | 2.66% |
| PRESTON ROBERTSON ENTERPRISES INC3 Filed as: PRESTON ROBERTSON | 11659 BERRY HILL DR NORTHPORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $0 | $417 | 2.11% |
| AIMEE STONE3 | 2317 GARLAND DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $72 | $357 | 1.80% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $50 | $105 | 0.53% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X RD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $11 | $64 | 0.32% |
| ROBERT GENE RAMSAY3 | 1836 HARRISON DR GARDENDALE, AL 35071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.14% |
| LEWIS BROCK3 | 6051 AIRPORT BLVD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $5 | $24 | 0.12% |
| ALABAMA BENEFIT COUNSELORS LLC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $13 | $20 | 0.10% |
| CHRISTY G HENSON3 | 1996 CALUMENT PARKWAY PRATTVILLE, AL 36066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.05% |
| DONNIE HILL LLC3 | P O BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.03% |
| SUSAN J GOODSPEED3 Filed as: SUSAN J GOODSPEEN | 2866 BROOKSIDE DRIVE MOBILE, AL 36693 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| GLENN REEVES3 | 207 PERDIDO AVE FAIRHOPE, AL 35632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| JAMES H. POWELL3 | 729 DALLAS AVE SELMA, AL 36701 | HUMANA | $373 | — | $373 | 2.00% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | HUMANA | $311 | — | $311 | 1.67% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC | P O BOX 11407, DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $321 | — | $321 | 11.08% |
| SAMUEL J REYNOLDS3 Filed as: SAMUEL REYNOLDS | 1400 JACK WARNER PKWY - STATION #40 TUSCALOOSA, AL 35404 | USABLE LIFE | $87 | — | $87 | 3.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: DAVID PLATT - C/O BCBS | 420 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | USABLE LIFE | $24 | — | $24 | 0.83% |
| WILLIAM GRANT BRUNER3 Filed as: WILLIAM BRUNER | 812 HICKORY TRACE CIRCLE BIRMINGHAM, AL 35244 | USABLE LIFE | $5 | — | $5 | 0.17% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 168 | $1.1M |
| Dental | SOUTHLAND NATIONAL INSURANCE CORPORATION | 165 | $106K |
| Vision | HUMANA | 165 | $19K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE | 177 | $90K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 32 | $20K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE | 174 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 168 | $1.1M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 168 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.