| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT SMITH JR3 | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 6.49% |
| RALPH M HARBUCK, JR3 Filed as: RALPH HARBUCK JR | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 6.49% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $9K | — | $9K | 6.00% |
| SOUTHEAST INSURANCE GROUP INC3 | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 1.99% |
| LBA SERVICE LLC3 Filed as: LBA SERVICES LLC | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 0.99% |
| ALAN WOOD3 | 1346 INDIAN CREST DRIVE INDIAN SPRINGS, AL 35124 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $8K | — | $8K | 8.60% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | AMERICAN UNITED LIFE INSURANCE | $12K | $0 | $12K | 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 | $2K | $107 | $2K | 8.15% |
| PRESTON ROBERTSON ENTERPRISES INC3 Filed as: PRESTON ROBERTSON | 11659 BERRY HILL DR NORTHPORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $38 | $1K | 4.62% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $707 | $101 | $808 | 3.03% |
| AIMEE STONE3 | 2317 GARLAND DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $451 | $208 | $659 | 2.47% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $112 | $213 | 0.80% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X RD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $15 | $194 | 0.73% |
| KELLIE WELLS3 | 9576 COLUMBUS AVE FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.18% |
| ROBERT GENE RAMSAY3 | 1836 HARRISON DR GARDENDALE, AL 35071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.09% |
| DONNIE HILL LLC3 | P O BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.04% |
| SUSAN J GOODSPEED3 | 2866 BROOKSIDE DRIVE MOBILE, AL 36693 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING | 441 O'NEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| ROBERT H STONE SR3 Filed as: ROBERT STONE | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.01% |
| LEWIS BROCK3 | 6051 AIRPORT BLVD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ALABAMA BENEFIT COUNSELORS LLC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| KARA HUGHES PARDUE3 | 3769 N WOODRIDGE RD MOUNTAIN BROOK, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| GLENN REEVES3 | 207 PERDIDO AVE FAIRHOPE, AL 35632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| REEVES, RANDY3 Filed as: REEVES AGENCY | P O BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MINOR AND ASSOCIATES INC3 Filed as: MINOR & ASSOCIATES | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ALAN WOOD3 | 11 CHOCTAW ROAD PELHAM, AL 35214 | NATIONAL GUARDIAN LIFE | $2K | $0 | $2K | 9.68% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC | P O BOX 11407, DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $332 | — | $332 | 10.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ELLEN KEITH - C/O BCBS | 420 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | USABLE LIFE | $50 | — | $50 | 1.51% |
| SAMUEL J REYNOLDS3 Filed as: SAMUEL REYNOLDS | 1400 JACK WARNER PKWY - STATION #40 TUSCALOOSA, AL 35404 | USABLE LIFE | $50 | — | $50 | 1.51% |
| WILLIAM GRANT BRUNER3 Filed as: WILLIAM BRUNER | 812 HICKORY TRACE CIRCLE BIRMINGHAM, AL 35244 | USABLE LIFE | $33 | — | $33 | 0.99% |
| BRADFORD DILLION3 | 3556 KINGSHILL ROAD MOUNTAIN BROOK, AL 35223 | USABLE LIFE | $33 | — | $33 | 0.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| S.S.NESBITT EIN 63-1284352 OTHER SERVICES | Other services Service code 49 | — | $12K |
| DIRECT HEALTH SOLUTIONS EIN 38-3986309 OTHER SERVICES | Other services Service code 49 | — | $7K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 OTHER SERVICES | Other services Service code 49 | — | $7K |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 191 | $777K |
| Dental | SOUTHLAND NATIONAL INSURANCE CORPORATION | 197 | $93K |
| Vision | NATIONAL GUARDIAN LIFE | 196 | $22K |
| Life insurance(4 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 211 | $261K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 36 | $27K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE | 211 | $82K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 191 | $777K |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 191 | $777K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.