| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $16K | 11.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 6.94% |
| ROBERT H STONE SR3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 6.24% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.91% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $322 | $2K | 1.97% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $791 | $2K | 1.70% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $922 | $314 | $1K | 1.05% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $946 | $131 | $1K | 0.91% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE AND ASSOCIATES INC | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $447 | $451 | $898 | 0.76% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $841 | $20 | $861 | 0.73% |
| CLAUDIA BROOKE BODREY3 | 226 CANNON BRANCH ROAD CORDELE, GA 31015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $545 | — | $545 | 0.46% |
| CARLA BURWELL3 | 446 EATON ROAD BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $364 | — | $364 | 0.31% |
| BARBARA J LAKE3 | 226 N HIGH STREET MORRISTOWN, IN 46161 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $149 | $27 | $176 | 0.15% |
| LISA MARIE KLEIN3 | 1732 OAK PARK LANE HELENA, AL 35080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.13% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $11 | $125 | 0.11% |
| EMILY PORRECA3 | 146 WINDFIELDS LANE WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $22 | $122 | 0.10% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X ROAD, AL 35763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.06% |
| KARA HUGHES PARDUE3 | 3769 N WOODRIDGE ROAD MOUNTAIN BARK, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.06% |
| SANDRA SIMS3 | 13750 W COLONIAL DRIVE SUITE 350 WINTER GARDEN, FL 34787 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $8 | $56 | 0.05% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $42 | $55 | 0.05% |
| ASHLEY WIMBERLEY SKELTON3 Filed as: ASHLEY WIMBERLY SKELTON | 1300 MAGNOLIA CURVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $5 | $34 | 0.03% |
| KERRI DOUGLASS3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $8 | $30 | 0.03% |
| JOE GORDON3 | 5417 WINTHROP AVE INDIANAPOLIS, IN 46220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $17 | $28 | 0.02% |
| DAVID W OTTINGER3 | 45 SOUTH MT VERNON AVENUE B UNIONTOWN, PA 15401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $2 | $24 | 0.02% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.01% |
| JAMES M EANES3 | 1700 E JACKSON STREET PENSACOLA, FL 32501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.01% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.00% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.00% |
| KIMMON R GUSEMAN3 | 48 NICKMAN PLAZA LEMONT FURNACE, PA 15456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| DONNIE HILL LLC3 | P O BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| JOE GRUBBS BENEFITS LLC3 | 682 VALLEY VIEW ROAD MONTICELLO, FL 32344 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| OMS OF NORTHWEST FLORIDA INC3 | P O BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| WAYNE RIMMER3 | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 462 | 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) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $134K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $134K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $134K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $134K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.