| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DR NORTHPORT, AL 35475 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.10% |
| JACK BARNES JR3 Filed as: JACK BARNS JR | PO BOX 399 RIVERSIDE, AL 35135 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.84% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $748 | $237 | $985 | 1.72% |
| AIMEE STONE3 | 2317 GARLAND DR BIRMINGHAM, AL 35216 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $568 | $126 | $694 | 1.21% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOC INC | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $236 | $131 | $367 | 0.64% |
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING INC | 441 ONEAL DR HOOVER, AL 35226 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 0.30% |
| BENEFIT CONSULTANTS INC3 | 2477 VALLEYDALE RD BIRMINGHAM, AL 35244 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.09% |
| JAMES G GEDDINGS3 | 1837 CORNER RD WARRIOR, AL 35180 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 1200 BIRMINGHAM, AL 35203 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $392 | $2K | 9.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | 1918 RIVERSIDE DR LOS ANGELES, CA 90039 | PRINCIPAL LIFE INSURANCE COMPANY | — | $51 | $51 | 0.26% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 234 | $989K |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 234 | $989K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | 334 | $77K |
| Short-term disability | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | 51 | $57K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 234 | $989K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 234 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.