| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT H STONE SR3 Filed as: ROBERT H STONE | 2317 GARLAND DRIVE BIRMINGHAM, AL 35216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 8.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $951 | — | $951 | 0.69% |
| ROBERT H STONE SR3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $4K | $13K | 9.52% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $252 | $3K | 2.11% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $466 | $2K | 1.71% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $165 | $2K | 1.39% |
| DARCIPRETE AND ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $528 | $525 | $1K | 0.77% |
| CARLA BURWELL3 | 446 EATON ROAD BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $909 | $25 | $934 | 0.69% |
| LISA MARIE KLEIN3 | 1509 KINGS ROAD CANTONMENT, FL 32533 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $430 | $58 | $488 | 0.36% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $342 | $57 | $399 | 0.29% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $334 | $31 | $365 | 0.27% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS CROSSING ROADS, AL 35763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $228 | $30 | $258 | 0.19% |
| KARA HUGHES PARDUE3 | 3769 N WOODRIDGE ROAD MOUNTAIN BARK, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.08% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $8 | $99 | 0.07% |
| ASHLEY WIMBERLEY SKELTON3 | 1300 MAGNOLIA CURVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $5 | $49 | 0.04% |
| DONNIE HILL LLC3 | P O BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $10 | $33 | 0.02% |
| KELLIE WELLS3 | 9600 COLUMBUS AVENUE FAIRHOPE, AL 36532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| OMS OF NORTHWEST FLORIDA INC3 | P O BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| JOE GRUBBS BENEFITS LLC3 | 682 VALLEY VIEW ROAD MONTICELLO, FL 32344 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| LEWIS ASHTON BROCK III3 | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 376 | 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) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 355 | $137K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 355 | $137K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 355 | $137K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 355 | $137K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 355 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.