| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REEVES, RANDY3 Filed as: THE REEVES AGENCY INC | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.89% |
| ESTATE OF DAVID GLENN REEVES3 | 10524 CLAYBROOK DR BATON ROUGE, LA 70809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.24% |
| SUSAN J GOODSPEED3 Filed as: SUSAN GOODSPEED | 2866 BROOKSIDE DR MOBILE, AL 36693 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.90% |
| LEWIS BROCK3 | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $16 | $1K | 1.27% |
| JOSEPH ARTHUR CINK3 Filed as: JOSEPH CINK | 19460 STATE HWY 181 FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $774 | — | $774 | 0.88% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $447 | — | $447 | 0.51% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $176 | $225 | 0.26% |
| SHIRLEY KING3 | 625 INDUSTRIAL PARK RD CULLMAN, AL 35055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 0.19% |
| SHERREL S COCHRAN3 Filed as: SHERREL COCHRAN | 3734 BRANCH DR SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.08% |
| CAROLYN DINKINS3 | PO BOX 180125 MOBILE, AL 36618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| DAVID MARKS3 Filed as: DAVID REEVES | PO BOX 797 FAIRHOPE, AL 36533 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| REEVES, RANDY3 Filed as: REEVES AGENCY | PO BOX 797 FAIRHOPE, AL 36533 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $836 | — | $836 | 15.01% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | 2 PERIMETER PARK SOUTH SUITE 450 WEST BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $391 | — | $391 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | PO BOX 995 BIRMINGHAM, AL 35298 | $169K |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 17 | $4K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 95 | $12K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 111 | $88K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 111 | $88K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 29 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.