| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $5K | $1K | $6K | 18.77% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X ROAD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $585 | $3K | 8.66% |
| 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 | $3K | — | $3K | 7.81% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $531 | $172 | $703 | 2.14% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $240 | $409 | 1.25% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $140 | $261 | 0.80% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $0 | $189 | 0.58% |
| ROBERT H STONE SR3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $82 | $163 | 0.50% |
| 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 | $5K | $1K | $6K | 18.91% |
| 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 | $957 | $4K | 19.48% |
| 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 | $811 | $4K | 18.91% |
| S S NESBITT & CO INC3 Filed as: SS NESBIT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 9.08% |
| ALAN BECK3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 36.99% |
| MICHAEL B MURPHY Filed as: MICHAEL ISOM | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 25.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ANGELA BROWN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $871 | — | $871 | 21.30% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH WOOTEN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $763 | — | $763 | 18.66% |
| LORI LAINE3 Filed as: LORI SLEETH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $486 | — | $486 | 11.88% |
| EMILY PORRECA3 Filed as: EMILY YUTZY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $459 | — | $459 | 11.22% |
| SAMANTHA C CORTELAZZO-ABBATE3 Filed as: SAMANTHA SHUMAKER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $214 | — | $214 | 5.23% |
| MELENA WILBOURN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $79 | — | $79 | 1.93% |
| LISA A PERRI3 Filed as: LISA BECK STANLEY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $33 | — | $33 | 0.81% |
| DONNIE GLASGOW3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.27% |
| TORI L FENEMOR3 Filed as: TORI SOUTHERLAND | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.27% |
| KEARY WEST-WILSON3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.12% |
| DEANNA BOUFFORD3 Filed as: DEANNA GARRETTM | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$10 | — | -$10 | -0.24% |
| TERESIA KELLEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$50 | — | -$50 | -1.22% |
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 | HUMANA INSURANCE COMPANY | 88 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $31K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.