| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| 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 | $2K | 4.48% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| 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 | $2K | 5.20% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X ROAD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $598 | $3K | 7.72% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.87% |
| AIMEE STONE3 | 3604 COVERNTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $486 | $104 | $590 | 1.77% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.52% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $49 | $159 | 0.48% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $66 | $156 | 0.47% |
| JEFFREY TATE WELCH3 | PO BOX 554 LUVERNE, AL 36049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $99 | $136 | 0.41% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $28 | $112 | 0.34% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| 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 | — | $1K | $1K | 4.66% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| 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 | — | $1K | $1K | 5.22% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 8.13% |
| THE JAMES B OSWALD COMPANY3 Filed as: TAYLOR STEELE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $632 | — | $632 | 8.04% |
| ALAN BECK3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $573 | — | $573 | 7.29% |
| ADELAIDA ANDRES3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $502 | — | $502 | 6.39% |
| MICHAEL B MURPHY3 Filed as: MICHAEL ISOM | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $469 | — | $469 | 5.97% |
| SAMANTHA C CORTELAZZO-ABBATE3 Filed as: SAMANTHA SHUMAKER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $165 | — | $165 | 2.10% |
| KEVIN MURPHY3 Filed as: KEVIN HODGES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $52 | — | $52 | 0.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ANGELA BROWN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.34% |
| TERESIA KELLEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $23 | — | $23 | 0.29% |
| DONNIE GLASGOW3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.14% |
| TORI L FENEMOR3 Filed as: TORI SOUTHERLAND | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.14% |
| ROCIO C QUIROGA3 Filed as: ROCIO GIFFORD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.11% |
| LISA A PERRI3 Filed as: LISA STANLEY BECK | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.11% |
| KEARY WEST-WILSON3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| MELENA WILBOURN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$26 | — | -$26 | -0.33% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH WOOTEN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$34 | — | -$34 | -0.43% |
| EMILY PORRECA3 Filed as: EMILY YUTZY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$135 | — | -$135 | -1.72% |
| LORI LAINE3 Filed as: LORI SEETH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$165 | — | -$165 | -2.10% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 132 | $24K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $59K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $36K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 258 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
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.