| 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 | $8K | $3K | $11K | 20.77% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X RD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $759 | $4K | 10.53% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 9.73% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $830 | $200 | $1K | 2.45% |
| JEFFREY TATE WELCH3 | PO BOX 554 LUVERNE, AL 36049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | $300 | $510 | 1.21% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 0.52% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $40 | $214 | 0.51% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.17% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $2 | $68 | 0.16% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $8K | 21.80% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 20.91% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.56% |
| ABBY J BREITLING3 Filed as: ABBY SIMPSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $591 | — | $591 | 6.49% |
| MICHAEL B MURPHY3 Filed as: MICHAEL ISOM | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $427 | — | $427 | 4.69% |
| ALAN BECK3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $375 | — | $375 | 4.12% |
| SHANA WOLF3 Filed as: SHANA STAPLER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $95 | — | $95 | 1.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ANGELA BROWN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $62 | — | $62 | 0.68% |
| MONICA L LEIVA3 Filed as: MONICA FRY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $51 | — | $51 | 0.56% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH WOOTEN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $32 | — | $32 | 0.35% |
| TERESIA KELLEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $23 | — | $23 | 0.25% |
| EMILY PORRECA3 Filed as: EMILY YUTZY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $16 | — | $16 | 0.18% |
| DONNIE GLASGOW3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| LORI LAINE3 Filed as: LORI SLEETH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| TORI L FENEMOR3 Filed as: TORI SOUTHERLAND | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| LISA A PERRI3 Filed as: LISA BECK | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| KEARY WEST-WILSON3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| ADELAIDA ANDRES3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$9 | — | -$9 | -0.10% |
| SAMANTHA C CORTELAZZO-ABBATE3 Filed as: SAMANTHA SHUMAKER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$40 | — | -$40 | -0.44% |
| THE JAMES B OSWALD COMPANY3 Filed as: TAYLOR STEELE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$238 | — | -$238 | -2.61% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 139 | $30K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 286 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 286 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $35K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 286 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.