| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | SOUTHEAST INC PO BOX 730416 PO BOX 744831 ATLANTA, GA 30374 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 7.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PRINCIPAL LIFE INSURANCE COMPANY | — | $492 | $492 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $12K | $39K | 22.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 206 EXCHANGE PL NW HUNTSVILLE, AL 358062300 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 11330 LAKEFIELD DR STE 100 BLDG I DULUTH, GA 300971578 | AMERITAS LIFE INSURANCE CORP. | — | $713 | $713 | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $49 | $655 | 6.94% |
| ELIZABETH ANN EDWARDS3 | 102 TREEBARK TRL HAZEL GREEN, AL 35750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | $225 | $458 | 4.86% |
| CAROLE ELIZABETH TURNER3 | 14 OAK POINT DR FAYETTEVILLE, TN 37334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | $125 | $425 | 4.51% |
| GARY WAYNE LINVILLE3 | 6448 LINCOLN PARK PLACE NW HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $215 | $309 | 3.28% |
| SUZANNE M CALHOUN3 | 304 POINTE LOMA BLVD LAKE ST LOUIS, MO 63367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 1.42% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $31 | $75 | 0.80% |
| BARDEN AND ASSOCIATES LLC3 | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $21 | $65 | 0.69% |
| LAURIE J BURNS3 | 1274 BICYCLE CT YORK, SC 29745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.33% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.30% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $8 | $17 | 0.18% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $6 | $11 | 0.12% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| SAIC INC3 | 1639 BRADLEY PARK DR STE500 BOX358 COLUMBUS, GA 31904 | AFLAC | $23 | — | $23 | 2.01% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $21 | — | $21 | 1.84% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AA 35801 | AFLAC | $20 | — | $20 | 1.75% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $0 | — | $0 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $0 | — | $0 | 0.00% |
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)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 412 | $2.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 485 | $202K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 338 | $31K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $176K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $176K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $176K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 412 | $2.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 412 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.