| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE SR | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $56 | $4K | 3.36% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $19 | $3K | 2.60% |
| JAMES G GEDDINGS3 Filed as: JAMES G. GEDDINGS | 113 JOHN DEERE WAY MADISON, AL 35757 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.51% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $976 | $43 | $1K | 0.78% |
| BURTON M HERRING JR3 Filed as: BURTON HERRING JR AND OTHER AGENTS | 922 OLD FEDERAL ROAD SHORTER, AL 36075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $886 | $13 | $899 | 0.69% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE SOUTH APARTMENT 801 BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $710 | $0 | $710 | 0.54% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $339 | $0 | $339 | 0.26% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $280 | $6K | 11.48% |
| JAMES G GEDDINGS3 Filed as: JAMES GORDON GEDDINGS | 1837 CORNER ROAD WARRIOR, AL 35180 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 WEST 110TH STREET, SUITE 320 OVERLAND PARK, KS 66210 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.27% |
| UNKNOWN3 | UNKNOWN CORDOVA, AL 35550 | TELADOC | $742 | $0 | $742 | 14.99% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 260 | $1.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 260 | $1.9M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $55K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $55K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 260 | $1.9M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 121 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.