| 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 | $9K | $2K | $11K | 15.15% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | GUARDIAN | $3K | — | $3K | 4.71% |
| DOUGLAS EDWARD VIESELMEYER3 Filed as: DOUGLAS LAVENDER | — | LIBERTY NATIONAL LIFE INSURANCE | $3K | — | $3K | 7.50% |
| MARVIN LEE WILKERSON3 Filed as: MARVIN ODELL | — | LIBERTY NATIONAL LIFE INSURANCE | $2K | — | $2K | 5.50% |
| CARLOS A ALMEIDA3 Filed as: CARLOS LOGAN | — | LIBERTY NATIONAL LIFE INSURANCE | $1K | — | $1K | 3.11% |
| MARCUS A THOMAS3 Filed as: MARCUS MCMILLAN | — | LIBERTY NATIONAL LIFE INSURANCE | $994 | — | $994 | 2.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HINSON | — | LIBERTY NATIONAL LIFE INSURANCE | $879 | — | $879 | 1.97% |
| DARYL E. MARTIN3 Filed as: DARYL SUMRALL | — | LIBERTY NATIONAL LIFE INSURANCE | $193 | — | $193 | 0.43% |
| LUCAS BAUMGARTNER3 Filed as: LUCAS DISHER | — | LIBERTY NATIONAL LIFE INSURANCE | $98 | — | $98 | 0.22% |
| C WEDEMEYER3 | — | LIBERTY NATIONAL LIFE INSURANCE | $49 | — | $49 | 0.11% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: WALTER BEDWELL | — | LIBERTY NATIONAL LIFE INSURANCE | $46 | — | $46 | 0.10% |
| DOUGLAS EDWARD VIESELMEYER3 Filed as: DOUGLAS LAVENDER | — | LIBERTY NATIONAL LIFE INSURANCE | $3K | — | $3K | 7.08% |
| MARVIN LEE WILKERSON3 Filed as: MARVIN ODELL | — | LIBERTY NATIONAL LIFE INSURANCE | $2K | — | $2K | 4.38% |
| CARLOS A ALMEIDA3 Filed as: CARLOS LOGAN | — | LIBERTY NATIONAL LIFE INSURANCE | $1K | — | $1K | 2.71% |
| MARCUS A THOMAS3 Filed as: MARCUS MCMILLAN | — | LIBERTY NATIONAL LIFE INSURANCE | $664 | — | $664 | 1.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HINSON | — | LIBERTY NATIONAL LIFE INSURANCE | $625 | — | $625 | 1.64% |
| DARYL E. MARTIN3 Filed as: DARYL SUMRALL | — | LIBERTY NATIONAL LIFE INSURANCE | $147 | — | $147 | 0.39% |
| LUCAS BAUMGARTNER3 Filed as: LUCAS DISHER | — | LIBERTY NATIONAL LIFE INSURANCE | $76 | — | $76 | 0.20% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: WALTER BEDWELL | — | LIBERTY NATIONAL LIFE INSURANCE | $56 | — | $56 | 0.15% |
| C WEDEMEYER3 Filed as: C. WEDEMEYER | — | LIBERTY NATIONAL LIFE INSURANCE | $38 | — | $38 | 0.10% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM VANDERLINDEN | — | LIBERTY NATIONAL LIFE INSURANCE | $34 | — | $34 | 0.09% |
| DESTINY JONES3 | — | LIBERTY NATIONAL LIFE INSURANCE | $17 | — | $17 | 0.04% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM LITTLE | — | LIBERTY NATIONAL LIFE INSURANCE | $15 | — | $15 | 0.04% |
| QWANEISHA MACKEY3 | — | LIBERTY NATIONAL LIFE INSURANCE | $2 | — | $2 | 0.01% |
| BARBARA BAROS3 Filed as: BARBARA CANTRELL | — | LIBERTY NATIONAL LIFE INSURANCE | $1 | — | $1 | 0.00% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $8K | $2K | $9K | 35.10% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $2K | $208 | $2K | 7.14% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | PO BOX 11407 DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $3K | — | $3K | 15.00% |
| MARVIN LEE WILKERSON3 Filed as: MARVIN ODELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $382 | — | $382 | 3.33% |
| DOUGLAS EDWARD VIESELMEYER3 Filed as: DOUGLAS LAVENDER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $238 | — | $238 | 2.08% |
| CARLOS A ALMEIDA3 Filed as: CARLOS LOGAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $188 | — | $188 | 1.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HINSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $178 | — | $178 | 1.55% |
| ARDEN SUMRALL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $32 | — | $32 | 0.28% |
| KHALIFA NUNN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $14 | — | $14 | 0.12% |
| C WEDEMEYER3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $12 | — | $12 | 0.10% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE DAILEY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| DOUGLAS EDWARD VIESELMEYER3 Filed as: DOUGLAS LAVENDER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 22.52% |
| MARVIN LEE WILKERSON3 Filed as: MARVIN ODELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.43% |
| MARCUS A THOMAS Filed as: MARCUS MCMILLAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.59% |
| CARLOS A ALMEIDA3 Filed as: CARLOS LOGAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $733 | — | $733 | 8.42% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMNGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $0 | $220 | 2.66% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUELAKE DRIVE STE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 2.37% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 1.09% |
| AIMEE STONE3 | 3604 CONVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.82% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.81% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.41% |
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DRIVE NORTHPORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.31% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.16% |
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE, SR. | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN AND ASSOCIATES, LLC | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 2.60% |
| VALENT GROUP3 | 3500 BLUELAKE DRIVE STE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 2.08% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.93% |
| BURTON M HERRING JR6 Filed as: BURTON M. HERRING, JR. | 922 OLD FEDERAL ROAD SHORTER, AL 36075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.75% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.73% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.37% |
| PRESTON ROBERTSON ENTERPRISES INC3 Filed as: PRESTON ROBERTSON ENTERPRISES | 11659 BERRY HILL DRIVE NORTHPORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.28% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.28% |
| ROBERT H STONE SR3 Filed as: ROBERT H STONE, SR | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN & ASSOCIATES LLC | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| PJ SKELTON LLC3 Filed as: PJ SKELTON, LLC | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 2.66% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE STE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 2.27% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL, INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 1.17% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.80% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.39% |
| PRESTON ROBERTSON ENTERPRISES INC3 Filed as: PRESTON ROBERTSON ENTERPRISES | 11659 BERRY HILL DRIVE NORTHPORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.25% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.14% |
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE, SR. | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| PJ SKELTON LLC3 Filed as: PJ SKELTON, LLC | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| BARDEN AND ASSOCIATES LLC3 | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 101 | $73K |
| Vision | GUARDIAN | 101 | $73K |
| Life insurance(4 contracts, 2 carriers) | USABLE LIFE | 116 | $36K |
| Short-term disability(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 109 | $45K |
| Other(9 contracts, 5 carriers) | GUARDIAN | 116 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.