| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | 115 OFFICE PARK DR STE 200 MOUNTAIN BROOK, AL 35223 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $183 | $6K | 16.84% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $41 | $2K | 4.36% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $341 | $0 | $341 | 0.94% |
| MEAGAN NICOLE TALBERT3 Filed as: MEAGAN TALBERT | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.28% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $40 | $86 | 0.24% |
| RON BOWLING3 | 110TH ST STE 320 OVERLAND PARK, KS 66210 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.17% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA BUSCHER | 1318 WINTERBROOKE DR OLATHE, KS 66062 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $4 | $47 | 0.13% |
| RON BOWLING3 | 8575 W 110TH ST STE 210 OVERLAND PARK, KS 66210 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.04% |
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 | 77 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 77 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | 77 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.