| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLENN REEVES3 | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 6.08% |
| SUSAN J GOODSPEED3 Filed as: SUSAN GOODSPEED | 2866 BROOKSIDE DR. MOBILE, AL 36693 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.62% |
| SHIRLEY KING3 | 301 CO RD 280 CULLMAN, AL 35057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $118 | $1K | 1.55% |
| LEWIS BROCK3 | 8776 SPRING GROVE N. MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $81 | $1K | 1.40% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $492 | $132 | $624 | 0.72% |
| SHERREL S COCHRAN3 Filed as: SHERREL COCHRAN | 3734 BRANCH DR. SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | $8 | $257 | 0.30% |
| JOSEPH ARTHUR CINK3 Filed as: JOSEPH CINK | 19460 STATE HWY 181 FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.03% |
| DANIEL BOSCO3 | 21806 LINN RIDGE DR. FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.03% |
| CAROLYN DINKINS3 | PO BOX 180125 MOBILE, AL 36618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.02% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 135 | $86K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 135 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.