| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 11 N WATER ST 19TH FL, #19290 MOBILE, AL 36602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 12.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 4359 STEIN STREET MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 26.22% |
| LEWIS ASHTON BROCK III3 | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 24.34% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $4K | 8.08% |
| DAVID NICHOLAS BYRD3 | 613 YOUNG NECK RD MOBILE, MS 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 4.94% |
| SHERREL S COCHRAN3 | 3734 BRANCH DR SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $59 | $2K | 4.91% |
| MADISON LYNN SUNDIE3 | 13443 CO RD 28 SUMMERDALE, AL 36580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $312 | $2K | 3.25% |
| NIGEL J HERTZ3 | 4200 WOODCLIFF DR S MOBILE, AL 36693 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | PO BOX 730416 DALLAS, TX 75373 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $427 | — | $427 | 11.87% |
| THE EVERETTE GROUP, LLC3 Filed as: THE EVERETTE GROUP LLC | 4251 GOVERNMENT BLVD MOBILE, AL 36693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $181 | — | $181 | 5.03% |
| BR WILSON INS INC3 | 374 INDIAN VALLEY DR SYLACAUGA, AL 35150 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 2.22% |
| WILLIAM HAROLD OWENS3 Filed as: WILLIAM H OWENS | PO BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 1.00% |
| MARTIN E DORSETT3 | 6804 STONEBROOK DR N MOBILE, AL 36695 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.97% |
| PARMER AGENCY LLC3 | 839 AIRPORT DR SUITE 105 ALEXANDER CITY, AL 35010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.39% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 97 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $126K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $126K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $126K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.