| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND CO INC | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.87% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X RD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $135 | $1K | 4.45% |
| AIMEE STONE3 | 2317 GARLAND DRIVE BIRINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | $40 | $380 | 1.42% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $22 | $286 | 1.07% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $58 | $126 | 0.47% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $12 | $99 | 0.37% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.58% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $859 | $5K | 18.53% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $887 | $4K | 19.49% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $872 | $3K | 20.84% |
| S S NESBITT & CO INC3 Filed as: SS NESBIT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | COMPBENEFITS INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| LISA A PERRI3 Filed as: LISA S BECK | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $214 | — | $214 | 6.77% |
| DONNIE GLASGOW3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $70 | — | $70 | 2.21% |
| KEARY WEST-WILSON3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $64 | — | $64 | 2.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN ENDRESS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $30 | — | $30 | 0.95% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH EVANS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.35% |
| BAILEY & ASSOCIATES FINANCIAL3 Filed as: BAILEY MAZE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $7 | — | $7 | 0.22% |
| LINDSEY BUSINESS GROUP, LLC3 Filed as: LINDSEY HENDRIX | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$54 | — | -$54 | -1.71% |
| MARTI STATLER3 Filed as: MARTI JENKINS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$133 | — | -$133 | -4.20% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ELDRIDGE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$146 | — | -$146 | -4.62% |
| RICHARD G MCGOWAN3 Filed as: RICHARD BRANDT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$146 | — | -$146 | -4.62% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ELDGRIDGE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$146 | — | -$146 | -4.62% |
| RICHARD G MCGOWAN3 Filed as: RICHARD BRANDT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$146 | — | -$146 | -4.62% |
| CYNDI NAGASHIMA3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$195 | — | -$195 | -6.17% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA SIMPSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$264 | — | -$264 | -8.35% |
| MICHAEL B MURPHY3 Filed as: MICHAEL ISOM | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$340 | — | -$340 | -10.75% |
| CORINA SALAZAR3 Filed as: CORINA HOLLIS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$418 | — | -$418 | -13.22% |
| TORI L FENEMOR3 Filed as: TORI SOUTHERLAND | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$486 | — | -$486 | -15.37% |
| ALAN BECK3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$882 | — | -$882 | -27.88% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMPBENEFITS INSURANCE COMPANY | 70 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $24K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 123 | $118K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 173 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.