| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $88 | $3K | 15.53% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $292 | $191 | $483 | 2.89% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $273 | $479 | 2.87% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $291 | $155 | $446 | 2.67% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.74% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| TAMARA ANN BUSCHER3 | 1318 S WINTERBROOKE DR OLATHE, AL 66062 | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 49 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 49 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | COLONIA LIFE AND ACCIDENT INSURANCE COMPANY | 49 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49 | — |
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.
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.