| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | EMPLOYEE BFNTS DEPT PO BOX 11587 BIRMINGHAM, AL 352021587 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 13.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | EMPLOYEE BFNTS DEPT PO BOX 11587 BIRMINGHAM, AL 35202 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 11 NORTH WATER STREET 149TH FLOOR, SUITE 19290 MOBILE, AL 36602 | SOUTHLAND DENTAL CORP | $8K | — | $8K | 10.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE NORTH BIRMINGHAM, AL 35203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 214 N TEYON ST STE 2500 CHARLOTTE, NC 28202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $63 | $3K | 4.01% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.27% |
| MARY KAITLIN MILLER3 | 1323 INVERNES COVE DRIVE BIRMINGHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $959 | — | $959 | 1.28% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $605 | $7 | $612 | 0.81% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $490 | — | $490 | 0.65% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $322 | — | $322 | 0.43% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $312 | — | $312 | 0.41% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $295 | — | $295 | 0.39% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $294 | — | $294 | 0.39% |
| ROBERT H STONE SR3 | 3604 CONVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $16 | $223 | 0.30% |
| JT BENEFITS LLC3 | 262 YEAGER PKWY PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.14% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VASTAVIA, AL 36216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $4 | $77 | 0.10% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X RD, AL 35763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.07% |
| ELIZABETH GROVE CARRAWAY3 | 2409 PARK LANE S BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.06% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.06% |
| BURTON M HERRING JR3 | 922 OLD FEDERAL RD SHORTER, AL 36075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| LEONARD M MISCONIS3 | 1522 BETH STREET NW CULLMAN, AL 35055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| HUNTER PARKER WHITE3 | 3349 AUDUBON RD MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING INC | 441 O'NEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTEAST INC | 11 NORTH WATER STREET 149TH FLOOR, SUITE 19290 MOBILE, AL 36602 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 9.99% |
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 | 230 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | VIVA HEALTH | 340 | $1.8M |
| Dental | SOUTHLAND DENTAL CORP | 166 | $81K |
| Vision | NATIONAL GUARDIAN LIFE | 144 | $24K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $197K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $197K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.