| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE, SR. | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $3K | $16K | 8.33% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $153 | $12K | 6.13% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 3.05% |
| MEAGAN NICOLE TALBERT3 Filed as: MEAGAN N. TALBERT AND OTHER AGENTS | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $487 | $4K | 2.26% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $887 | $4K | 2.04% |
| JAMES G GEDDINGS3 Filed as: JAMES GORDON GEDDINGS | 1837 CORNER ROAD WARRIOR, AL 35180 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.73% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $196 | $3K | 1.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.67% |
| JAMES G GEDDINGS3 Filed as: JAMES GORDON GEDDINGS | 1837 CORNER ROAD WARRIOR, AL 35180 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.67% |
| JAMES G GEDDINGS3 Filed as: JAMES GORDON GEDDINGS | 1837 CORNER ROAD WARRIOR, AL 35180 | NATIONAL GUARDIAN LIFE | $1K | $0 | $1K | 4.99% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE, SUITE 625 BIRMINGHAM, AL 35242 | TELADOC | $751 | $0 | $751 | 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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 309 | $1.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 309 | $1.6M |
| Vision | NATIONAL GUARDIAN LIFE | 109 | $22K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $45K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 309 | $1.6M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 133 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.