| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 13.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE NORTH BIRMINGHAM, AL 35203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 6.08% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3 | $2K | 1.79% |
| MARY KAITLIN MILLER3 | 1323 INVERNESS COVE DRIVE BIRMINGHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $908 | — | $908 | 0.90% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $647 | $43 | $690 | 0.69% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $473 | $1 | $474 | 0.47% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTOGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $313 | $52 | $365 | 0.36% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $337 | $7 | $344 | 0.34% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $276 | — | $276 | 0.27% |
| LISA MARIE KLEIN3 | 1732 OAK PARK LANE HELENA, AL 35080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 0.26% |
| ROBERT H STONE SR3 | 2900 CAHABA RD BIRMINGHAM, FL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $183 | $42 | $225 | 0.22% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $23 | $121 | 0.12% |
| TODD ALAN BOOZER3 | 4213 OLD LEEDS LANE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.10% |
| JT BENEFITS LLC3 | 123 HILLTOP BUSINESS CENTER DR PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.09% |
| MINOR AND ASSOCIATES INC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $79 | $86 | 0.09% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X RD, AL 35763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $6 | $83 | 0.08% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $5 | $65 | 0.06% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $5 | $58 | 0.06% |
| VIVIAN GROVE PALMER3 | PO BOX 1425 MILLBROOK, AL 36054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.04% |
| HUNTER PARKER WHITE3 | PO BOX 230247 MONTOGOMERY, AK 36123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNSVILLE, AL 35801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $5 | $8 | 0.01% |
| LEONARD M MISCONIS3 | 1522 BETH STREET NW CULLMAN, AL 35055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING INC | 441 O'NEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ELIZABETH CALAMETTI3 | 11 NORTH WATER STREET 149TH FLOOR, SUITE 19290 MOBILE, AL 36602 | SOUTHLAND NATIONAL INSURANCE | $7K | — | $7K | 10.00% |
| ELIZABETH CALAMETTI3 | 11 NORTH WATER STREET 149TH FLOOR, SUITE 19290 MOBILE, AL 36602 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS OF ALABAMA INC | 2101 6TH AVENUE NORTH #725 BIRMINGHAM, AL 35203 | HARTFORD LIFE AND ACCIDENT | $401 | — | $401 | 11.05% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | VIVA HEALTH | 344 | $1.8M |
| Dental | SOUTHLAND NATIONAL INSURANCE | 155 | $71K |
| Vision | NATIONAL GUARDIAN LIFE | 134 | $20K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $208K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $208K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $111K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 9 | $71K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 9 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.