| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 6.62% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH ST S BIRMINGHAM, AL 352223206 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 5.81% |
| JOHN CAYTON III3 Filed as: JOHN HENRY L CARTER | 20674 HONEYSUCKLE LN MCCALLA, AL 351112114 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $59 | $3K | 2.30% |
| KRISTOPHER ALAN KNIGHT3 | 2037 21ST AVE S BIRMINGHAM, AL 352091347 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.26% |
| TODD BOOZER3 | 2900 CAHABA RD STE G 5 MOUNTAIN BROOK, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.70% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $663 | $3K | 4.10% |
| TRENT R BOOZER3 | 4169 HIGHLANDS CIRCLE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.08% |
| JACK BARNES JR3 | PO BOX 399 RIVERSIDE, AL 35135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $562 | — | $562 | 0.73% |
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DR NORTH PORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $505 | — | $505 | 0.66% |
| TODD ALAN BOOZER3 | 4213 OLD LEEDS LANE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $501 | $0 | $501 | 0.65% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $241 | $416 | 0.54% |
| BARDEN AND ASSOCIATES LLC3 | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $212 | $387 | 0.50% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 0.33% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 0.16% |
| DKC CONSULTING, INC.3 Filed as: DKC ENTERPRISES LLC | 441 O'NEAL DR HOOVER, AL 35226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.07% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.07% |
| EDWARD L COLEBECK JR3 | 1753 MURRAY HILL RD VESTAVIA, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.03% |
| BENEFIT CONSULTANTS INC3 | 1753 MURRAY HILL RD VESTAVIA, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 231 | $2.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $138K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $138K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 70 | $77K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 231 | $2.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 231 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.