| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | GUARDIAN | $5K | $4K | $9K | 16.96% |
| DOUGLAS EDWARD VIESELMEYER3 Filed as: DOUGLAS LAVENDER | — | LIBERTY NATIONAL LIFE INSURANCE | $6K | — | $6K | 14.01% |
| MARVIN LEE WILKERSON3 Filed as: MARVIN ODELL | — | LIBERTY NATIONAL LIFE INSURANCE | $3K | — | $3K | 6.47% |
| CARLOS A ALMEIDA3 Filed as: CARLOS LOGAN | — | LIBERTY NATIONAL LIFE INSURANCE | $2K | — | $2K | 4.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HINSON | — | LIBERTY NATIONAL LIFE INSURANCE | $835 | — | $835 | 1.81% |
| DARYL E. MARTIN3 Filed as: DARYL SUMRALL | — | LIBERTY NATIONAL LIFE INSURANCE | $193 | — | $193 | 0.42% |
| LUCAS BAUMGARTNER3 Filed as: LUCAS DISHER | — | LIBERTY NATIONAL LIFE INSURANCE | $87 | — | $87 | 0.19% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: WALTER BEDWELL | — | LIBERTY NATIONAL LIFE INSURANCE | $77 | — | $77 | 0.17% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM VANDERLINDEN | — | LIBERTY NATIONAL LIFE INSURANCE | $61 | — | $61 | 0.13% |
| C WEDEMEYER3 | — | LIBERTY NATIONAL LIFE INSURANCE | $54 | — | $54 | 0.12% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM LITTLE | — | LIBERTY NATIONAL LIFE INSURANCE | $48 | — | $48 | 0.10% |
| ARVEL J. NAVRATH3 Filed as: ARVEL JORDAN, JR. | — | LIBERTY NATIONAL LIFE INSURANCE | $21 | — | $21 | 0.05% |
| DESTINY JONES3 | — | LIBERTY NATIONAL LIFE INSURANCE | $18 | — | $18 | 0.04% |
| MARY-JOYCE LICATA3 Filed as: MARY GUY | — | LIBERTY NATIONAL LIFE INSURANCE | $9 | — | $9 | 0.02% |
| QWANEISHA MACKEY3 | — | LIBERTY NATIONAL LIFE INSURANCE | $6 | — | $6 | 0.01% |
| BARBARA BAROS3 Filed as: BARBARA CANTRELL | — | LIBERTY NATIONAL LIFE INSURANCE | $4 | — | $4 | 0.01% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 Filed as: ANGEL COUSER | — | LIBERTY NATIONAL LIFE INSURANCE | $2 | — | $2 | 0.00% |
| DOUGLAS EDWARD VIESELMEYER3 Filed as: DOUGLAS LAVENDER | — | LIBERTY NATIONAL LIFE INSURANCE | $2K | — | $2K | 3.91% |
| MARVIN LEE WILKERSON3 Filed as: MARVIN ODELL | — | LIBERTY NATIONAL LIFE INSURANCE | $2K | — | $2K | 3.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HINSON | — | LIBERTY NATIONAL LIFE INSURANCE | $988 | — | $988 | 2.49% |
| CARLOS A ALMEIDA3 Filed as: CARLOS LOGAN | — | LIBERTY NATIONAL LIFE INSURANCE | $861 | — | $861 | 2.17% |
| DARYL E. MARTIN3 Filed as: DARYL SUMRALL | — | LIBERTY NATIONAL LIFE INSURANCE | $217 | — | $217 | 0.55% |
| LUCAS BAUMGARTNER3 Filed as: LUCAS DISHER | — | LIBERTY NATIONAL LIFE INSURANCE | $108 | — | $108 | 0.27% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: WALTER BEDWELL | — | LIBERTY NATIONAL LIFE INSURANCE | $56 | — | $56 | 0.14% |
| C WEDEMEYER3 | — | LIBERTY NATIONAL LIFE INSURANCE | $55 | — | $55 | 0.14% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | PO BOX 11407 DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $891 | — | $891 | 6.00% |
| UNITED TRUST INSURANCE COMPANY3 | C/O UTIC - DAVID CLAYTON 450 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | USABLE LIFE | $446 | — | $446 | 3.00% |
| REYNOLDS, SAMUEL3 | 1400 JACK WARNER PKWY STATION #40 TUSCALOOSA, AL 35404 | USABLE LIFE | $297 | — | $297 | 2.00% |
| ROWLAND, ANGELA3 | 756 GRACE PARK N. TUSCALOOSA, AL 35406 | USABLE LIFE | $297 | — | $297 | 2.00% |
| BRUNER, WILLIAM3 | 4694 MCGILL CT HOOVER, AL 35226 | USABLE LIFE | $148 | — | $148 | 1.00% |
| DOUGLAS EDWARD VIESELMEYER3 Filed as: DOUGLAS LAVENDER | — | LIBERTY NATIONAL LIFE INSURANCE | $1K | — | $1K | 11.96% |
| MARVIN LEE WILKERSON3 Filed as: MARVIN ODELL | — | LIBERTY NATIONAL LIFE INSURANCE | $565 | — | $565 | 5.83% |
| CARLOS A ALMEIDA3 Filed as: CARLOS LOGAN | — | LIBERTY NATIONAL LIFE INSURANCE | $329 | — | $329 | 3.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HINSON | — | LIBERTY NATIONAL LIFE INSURANCE | $194 | — | $194 | 2.00% |
| ARDEN SUMRALL3 | — | LIBERTY NATIONAL LIFE INSURANCE | $35 | — | $35 | 0.36% |
| C WEDEMEYER3 Filed as: W WEDEMEYER | — | LIBERTY NATIONAL LIFE INSURANCE | $13 | — | $13 | 0.13% |
| DOUGLAS EDWARD VIESELMEYER3 Filed as: DOUGLAS LAVENDER | — | LIBERTY NATIONAL LIFE INSURANCE | $564 | — | $564 | 12.64% |
| MARVIN LEE WILKERSON3 Filed as: MARVIN ODELL | — | LIBERTY NATIONAL LIFE INSURANCE | $250 | — | $250 | 5.60% |
| CARLOS A ALMEIDA3 Filed as: CARLOS LOGAN | — | LIBERTY NATIONAL LIFE INSURANCE | $163 | — | $163 | 3.65% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $70 | $1K | — |
| VALENT GROUP3 | 3500 BLUELAKE DRIVE STE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $988 | — | $988 | — |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $566 | — | $566 | — |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $395 | $68 | $463 | — |
| AIMEE STONE3 | 3604 CONVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | — | $249 | — |
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DRIVE NORTHPORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | — |
| BURTON M HERRING JR3 | 922 OLD FEDERAL ROAD SHORTER, AL 36075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | — |
| CARLA BURWELL3 | 446 EATON ROAD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | — |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | — |
| AMELIA ANN BARDEN3 | 344 KARIS DRIVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $41 | $107 | — |
| TODD ALAN BOOZER3 | 4213 OLD LEEDS LANE BIRMNGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | — |
| PJ SKELTON LLC3 | 19 BUNGALOW COURT PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $36 | $68 | — |
| ASHLEY WIMBERLEY SKELTON3 | 19 BUNGALOW COURT PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $34 | $67 | — |
| ROBERT H STONE SR3 Filed as: ROBERT H STONE, SR | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $6 | $41 | — |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | — |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | — |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUELAKE DRIVE STE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | — |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMNGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $80 | $1K | — |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $564 | $97 | $661 | — |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | — | $303 | — |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | — | $224 | — |
| AIMEE STONE3 | 3604 CONVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | — | $214 | — |
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DRIVE NORTHPORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | — |
| AMELIA ANN BARDEN3 | 344 KARIS DRIVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $47 | $124 | — |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | — |
| ASHLEY WIMBERLEY SKELTON3 | 19 BUNGALOW COURT PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $41 | $81 | — |
| PJ SKELTON LLC3 | 19 BUNGALOW COURT PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $40 | $77 | — |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $7 | $57 | — |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | — |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUELAKE DRIVE STE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | — |
| CARLA BURWELL3 | 446 EATON ROAD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $3 | $118 | — |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $5 | $34 | — |
| AMELIA ANN BARDEN3 | 344 KARIS DRIVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $10 | $25 | — |
| ASHLEY WIMBERLEY SKELTON3 | 19 BUNGALOW COURT PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $10 | $19 | — |
| PJ SKELTON LLC3 | 19 BUNGALOW COURT PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $7 | $13 | — |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | — |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUELAKE DRIVE STE 120 VESTAVIA, AL 35243 | COLONIAL LIFE | $617 | — | $617 | — |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE | $528 | $50 | $578 | — |
| TODD ALAN BOOZER3 | 4213 OLD LEEDS LANE BIRMINGHAM, AL 35213 | COLONIAL LIFE | $339 | — | $339 | — |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE | $185 | — | $185 | — |
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DRIVE NORTHPORT, AL 35475 | COLONIAL LIFE | $181 | — | $181 | — |
| AIMEE STONE3 | 3604 CONVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE | $77 | — | $77 | — |
| AMELIA ANN BARDEN3 | 344 KARIS DRIVE DADEVILLE, AL 36853 | COLONIAL LIFE | $48 | $29 | $77 | — |
| PJ SKELTON LLC3 | 19 BUNGALOW COURT PIKE ROAD, AL 36064 | COLONIAL LIFE | $27 | $29 | $56 | — |
| ASHLEY WIMBERLEY SKELTON3 | 19 BUNGALOW COURT PIKE ROAD, AL 36064 | COLONIAL LIFE | $21 | $22 | $43 | — |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE | $38 | — | $38 | — |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE | $25 | $5 | $30 | — |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE | $12 | — | $12 | — |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 103 | $55K |
| Vision | GUARDIAN | 103 | $54K |
| Life insurance(5 contracts, 3 carriers) | USABLE LIFE | 123 | $15K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 31 | $0 |
| Other(9 contracts, 4 carriers) | LIBERTY NATIONAL LIFE INSURANCE | 123 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.