| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $5K | $12K | 11.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE NORTH BIRMINGHAM, AL 35203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 7.12% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $836 | $6K | 5.94% |
| AIMEE STONE3 | 2317 GARLAND DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.88% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 3.54% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $476 | $3K | 3.43% |
| LISA MARIE KLEIN3 | 1509 KINGS ROAD CANTONMENT, AL 32533 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $542 | $2K | 2.35% |
| MARY KAITLIN MILLER3 | 1323 INVERNESS COVE DRIVE BIRMINGHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.61% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X RD, AL 35763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $588 | $162 | $750 | 0.74% |
| ROBERT H STONE SR3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $484 | $255 | $739 | 0.73% |
| C&J BENEFITS AGENCY LLC3 Filed as: C & J BENEFITS AGENCY LLC | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $452 | — | $452 | 0.45% |
| JUSTIN MICHAEL BANKS3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.15% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $27 | $115 | 0.11% |
| VIVIAN GROVE PALMER3 | PO BOX 1425 MILLBROOK, AL 36054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.05% |
| W F HILL AND ASSOCIATES INC3 | 600 WEST LAFAYETTE DETROIT, MI 48226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $7 | $16 | 0.02% |
| WADYE T GALLANT3 | 18151 RAMSGATE LATHRUP VILLAGE, MI 48076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $3 | $12 | 0.01% |
| HUNTER PARKER WHITE3 | PO BOX 230247 MONTGOMERY, AL 36123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| LEONARD M MISCONIS3 | 1522 BETH STREET NW CULLMAN, AL 35055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING INC. | 441 O'NEAL DR. HOOVER, AL 35226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| FRANK ALLEN YIELDING3 | 1092 OLD MILL RUN BIRMINGHAM, AL 35094 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | EMPLOYEE BFNTS DEPT PO BOX 11587 BIRMINGHAM, AL 352021587 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 14.94% |
| ELIZABETH CALAMETTI3 | 11 NORTH WATER STREET 19TH FLOOR, SUITE 19290 MOBILE, AL 36602 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $7K | — | $7K | 10.00% |
| ELIZABETH CALAMETTI3 | 11 NORTH WATER STREET 19TH FLOOR, SUITE 19290 MOBILE, AL 36602 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 9.71% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | VIVA HEALTH | 334 | $1.7M |
| Dental | SOUTHLAND NATIONAL INSURANCE CORPORATION | 143 | $69K |
| Vision | NATIONAL GUARDIAN LIFE | 118 | $19K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 285 | $199K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 285 | $199K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.