| 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 | $14K | — | $14K | 11.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.47% |
| 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 | $6K | — | $6K | 7.59% |
| LOCKTON COMPANIES, LLC3 Filed as: MICHAEL SCOTT MCDUFFIE-LOCKTON CO | 3800 COLONADE PKWY STE 150 BIRMINGHAM, AL 35243 | SOUTHLAND DENTAL CORP | $2K | — | $2K | 2.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 214 N TRYON ST STE 2500 CHARLOTTE, NC 28202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.74% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $457 | $23 | $480 | 0.84% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $374 | $48 | $422 | 0.74% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $232 | — | $232 | 0.41% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 0.40% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AA 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $190 | $8 | $198 | 0.35% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.34% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.31% |
| JT BENEFITS LLC3 | 262 YEAGER PKWY PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.13% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWNES X RD, AL 35763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.08% |
| ELEZABETH GROVE CARRAWAY3 | 2409 PARK LANE S BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.07% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.05% |
| BURTON M HERRING JR3 | 922 OLD FEDERAL RD SHORTER, AL 36075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| LEONARD M MISCONIS3 | C/O BETTY BYE LULING, LA 70070 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DKC CONSULTING, INC.3 Filed as: DKC ENTERPRISES LLC | 441 O'NEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| PRITCHARD & JERDEN INC3 | 950 EAST PACES FERRY RD NE ATLANTA, GA 30326 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING INC | 441 O'NEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $2 | $2 | 0.00% |
| HUNTER PARKER WHITE3 | 3349 AUDUBON RD MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| 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 | 7.58% |
| LOCKTON COMPANIES, LLC3 Filed as: MICHAEL SCOTT MCDUFFIE-LOCKTON CO | 3800 COLONADE PKWY STE 150 BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE | $485 | — | $485 | 2.42% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | VIVA HEALTH | 302 | $1.5M |
| Dental | SOUTHLAND DENTAL CORP | 142 | $74K |
| Vision | NATIONAL GUARDIAN LIFE | 122 | $20K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $175K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $175K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.