| 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 | $5K | $164 | $5K | 3.11% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2 | $4K | 2.37% |
| JAMES G GEDDINGS3 Filed as: JAMES GORDON GEDDINGS | 113 JOHN DEERE WAY MADISON, AL 35757 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.48% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $54 | $1K | 0.74% |
| BURTON M HERRING JR3 Filed as: BURTON HERRING, JR. & OTHER AGENTS | 922 OLD FEDERAL ROAD SHORTER, AL 36075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.72% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $859 | $0 | $859 | 0.56% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $416 | $0 | $416 | 0.27% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $197 | $4K | 8.21% |
| JAMES G GEDDINGS3 Filed as: JAMES GORDON GEDDINGS | 1837 CORNER ROAD WARRIOR, AL 35180 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.31% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | PRINCIPAL LIFE INSURANCE COMPANY | $444 | $0 | $444 | 0.94% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE, SUITE 625 BIRMINGHAM, AL 35242 | NATIONAL GUARDIAN LIFE | $764 | $0 | $764 | 8.41% |
| JAMES G GEDDINGS3 Filed as: JAMES GORDON GEDDINGS | 1837 CORNER ROAD WARRIOR, AL 35180 | NATIONAL GUARDIAN LIFE | $127 | $0 | $127 | 1.40% |
| USI INSURANCE SERVICES LLC3 | 5301 VIRGINIA WAY, SUITE 400 BRENTWOOD, TN 37027 | TELADOC | $635 | $0 | $635 | 15.01% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE, SUITE 625 BIRMINGHAM, AL 35242 | CANOPY INSURANCE CORPORATION | $290 | $0 | $290 | 9.99% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 271 | $1.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 271 | $1.8M |
| Vision(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $59K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $47K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 271 | $1.8M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 137 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.