| 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 | $7K | — | $7K | 2.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 11.35% |
| LOCKTON COMPANIES, LLC3 | 345 N OLD WOODWARD AVE STE 370 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 206 EXCHANGE PL NW HUNTSVILLE, AL 358062300 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 6.64% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PKWY, STE 150 BIRMINGHAM, AL 352433383 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 3.35% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORP. | $396 | — | $396 | 1.15% |
| ELIZABETH ANN EDWARDS3 | 102 TREEBARK TRL HAZEL GREEN, AL 35750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $970 | $13K | $14K | 122.35% |
| GARY WAYNE LINVILLE3 | 11 BITMORE DR NW HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $659 | $2K | $3K | 25.37% |
| CAROLE ELIZABETH TURNER3 | 14 OAK POINT DR FAYETTEVILLE, TN 37334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $725 | $441 | $1K | 9.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | — | $320 | 2.72% |
| SUZANNE M CALHOUN3 | 304 POINTE LOMA BLVD LAKE ST LOUIS, MO 63367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | — | $217 | 1.85% |
| BARDEN AND ASSOCIATES LLC3 | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $111 | $203 | 1.73% |
| TREY RICHARD3 | 2703 CAMBRIDGE CT SE DECATUR, AL 35601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $124 | $182 | 1.55% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $49 | $86 | 0.73% |
| ASHLEY WIMBERLEY SKELTON3 | 1580 CLUB CREEK DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.47% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.35% |
| LAURIE J BURNS3 | 1274 BICYCLE CT YORK, SC 29745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.25% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.11% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 512 | $3.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 613 | $221K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 435 | $34K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $184K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $184K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $184K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 512 | $3.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 512 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.