| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE, SR. | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $4K | $20K | 6.16% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 1824 28TH AVE SOUTH HOMEWOOD, AL 35209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 3.95% |
| PAIGE PHILLIPS3 | 1434 HWY 301 CALERA, AL 35040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $276 | $11K | 3.47% |
| ANDERSON WILLIAM MCKINNIS3 Filed as: ANDERSON WILLIAMS MCKINNIS & CO | PO BOX 380968 BIRMINGHAM, AL 35238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 2.55% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 1.64% |
| VARIOUS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $256 | $4K | 1.16% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HWY 31 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 1.15% |
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 | 326 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 326 | $317K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 326 | $317K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 326 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.