| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLA, TX 752017943 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $3K | $34K | 13.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E UNION AVE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.85% |
| TODD BOOZER3 | 2900 CAHABA ROAD STE G5 MOUNTAIN BRK, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $982 | — | $982 | 1.79% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $427 | $14 | $441 | 0.80% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $254 | $5 | $259 | 0.47% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $244 | — | $244 | 0.44% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 0.44% |
| RYAN BOWLING3 | 8575 W 110TH STE STE 320 OVERLAND PARK, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $232 | — | $232 | 0.42% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 0.32% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 0.27% |
| JT BENEFITS LLC3 | 262 YEAGER PKWY PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.15% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWNES X RD, AL 35763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.09% |
| ELIZABETH GROVE CARRAWAY3 | 2409 PARK LN S MOUNTAIN BRK, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.08% |
| TAMARA ANN BUSCHER3 | 1318 S WINTERBROOKE DR OLATHE, KS 66062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $1 | $45 | 0.08% |
| RON BOWLING3 | 8575 W 110TH ST STE 210 OVERLAND PARK, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $2 | $40 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 1120 S TRYON ST STE 650 CHARLOTTE, NC 28203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.06% |
| BURTON M HERRING JR3 | 922 OLD FEDERAL RD SHORTER, AL 36075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| KELLIE WELLS3 | 16281 SAVOY CT FAIRHOPE, AL 36532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 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 | $6 | — | $6 | 0.01% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 307 | $2.3M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 397 | $241K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 397 | $296K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 397 | $296K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 397 | $241K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 307 | $2.2M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 307 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.