| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 3.80% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE VESTAVIA, AL 35242 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.45% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | COMPANION LIFE INSURANCE | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC7 | 1000 URBAN CENTER DRIVE VESTAVIA, AL 35242 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 7.66% |
| USI INSURANCE SERVICES LLC | 1000 URBAN CENTER DRIVE SUITE 625 BIRMINGHAM, AL 35242 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ROBERT H STONE SR3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $11K | $12K | $23K | 33.39% |
| PAIGE PHILLIPS3 | 1434 HWY 301 CALERA, AL 35040 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $10K | $378 | $10K | 14.64% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $6K | — | $6K | 9.27% |
| D'ARCIPRETE & ASSOCIATES INC | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $2K | $4K | $6K | 7.93% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $5K | $225 | $5K | 7.62% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $3K | $2K | $5K | 6.68% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | COMMUNITY EYE CARE | $3K | — | $3K | 12.00% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.69% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.02% |
| JH BERRY RISK SERVICES, LLC | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.28% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.83% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE VESTAVIA, AL 352422532 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 56.47% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $157K |
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 | 427 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $902K |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 357 | $0 |
| Vision | COMMUNITY EYE CARE | 529 | $23K |
| Life insurance(5 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE CO | 461 | $168K |
| Short-term disability(6 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE CO | 461 | $145K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $20K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 232 | $297K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.