| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 14.75% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 3.24% |
| MJ INSURANCE3 Filed as: HEATHER HORN AND VARIOUS AGENTS | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $252 | $2K | 2.02% |
| CARLA BURWELL3 | 446 EATON ROAD BIRMIGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $85 | $2K | 1.94% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $575 | $2K | 1.90% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $627 | $455 | $1K | 1.17% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $736 | $112 | $848 | 0.91% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 146 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.