| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DR NORTH PORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $46 | $5K | 6.82% |
| JACK BARNES JR3 Filed as: JACK BARNS JR | PO BOX 399 RIVERSIDE, AL 35135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.38% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $842 | $296 | $1K | 1.67% |
| ROBERT H STONE SR3 | 2900 CAHABA RD BIRMINGHAM, AK 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $448 | $457 | $905 | 1.33% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | $361 | $718 | 1.05% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $536 | $3 | $539 | 0.79% |
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING INC | 441 ONEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 0.15% |
| BEBEFIT CONSULTING INC3 | 2105 VESTIVIA LAKE DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | PO BOX 730416 DALLAS, TX 753730416 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $524 | $2K | 8.50% |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 286 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 286 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 400 | $94K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 53 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 286 | $1.3M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 286 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.