| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 10.00% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $102 | $2K | 7.33% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X ROAD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $263 | $2K | 6.51% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $486 | $191 | $677 | 2.10% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | $15 | $314 | 0.97% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $102 | $207 | 0.64% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $39 | $182 | 0.56% |
| ROBERT H STONE SR3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.02% |
| 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 | $855 | $5K | 17.98% |
| 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 | $848 | $5K | 18.11% |
| 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 | $687 | $4K | 18.23% |
| 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 | $520 | $3K | 17.89% |
| 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% |
| TERESIA KELLEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $382 | — | $382 | 14.21% |
| ALAN BECK3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $148 | — | $148 | 5.51% |
| MICHAEL B MURPHY Filed as: MICHAEL ISOM | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $105 | — | $105 | 3.91% |
| ALLISON FARRIS WENDELBERGER3 Filed as: ALLISON WILLIAMSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $97 | — | $97 | 3.61% |
| DEANNA BOUFFORD3 Filed as: DEANNA GARRETTM | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $88 | — | $88 | 3.27% |
| DONNIE GLASGOW3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.41% |
| TORI L FENEMOR3 Filed as: TORI SOUTHERLAND | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.37% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA SIMPSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $7 | — | $7 | 0.26% |
| KEARY WEST-WILSON3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| RICHARD G MCGOWAN3 Filed as: RICHARD BRANDT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| LISA A PERRI3 Filed as: LISA S BECK | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$123 | — | -$123 | -4.58% |
| AUSTIN & CO INC3 Filed as: AUSTIN EPPERSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$217 | — | -$217 | -8.07% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMPBENEFITS INSURANCE COMPANY | 75 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $27K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $127K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 154 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.