| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GENERAL AGENCY3 Filed as: GENERAL AGENCY, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $7K | $21K | 12.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 9.76% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE, SR. | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $373 | $117 | $490 | 4.42% |
| USI INSURANCE SERVICES LLC3 | 1 PERIMITER PARK SOUTH, SUITE 344N BIRMINGHAM, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $257 | $3 | $260 | 2.34% |
| JAMES G GEDDINGS3 Filed as: JAMES G. GEDDINGS | 113 JOHN DEERE WAY MADISON, AL 35757 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 1.41% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.78% |
| BURTON M HERRING JR3 Filed as: BURTON M. HERRING, JR. AND AGENTS | 922 OLD FEDERAL ROAD SHORTER, AL 36075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $9 | $81 | 0.73% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE SOUTH APARTMENT 801 BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.55% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.26% |
| UNKNOWN3 | UNKNOWN CORDOVA, AL 35550 | TELADOC HEALTH, INC. | $613 | $0 | $613 | 15.00% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 303 | $1.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 303 | $1.9M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 302 | $169K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 302 | $169K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 302 | $169K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 303 | $1.9M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 302 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.