| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROOKIS AGENCY INC.3 | 3912 3RD AVE S BIRMINGHAM, AL 35222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | — | $29K | 18.26% |
| TODD BOOZER3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 0.11% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.04% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DRIVE #200 HUNT VALLEY, MD 21030 | GUARDIAN LIFE INSURANCE COMPANY | $20K | — | $20K | 16.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $105K |
| AP BENEFIT ADVISORS LLC SL BROKER COMMISSIONS | Contract Administrator; Claims processing Service code 12 | 10 N PARK DRIVE #200 HUNT VALLEY, MD 21030 | $34K |
| UTIC INSURANCE COMPANY SL BROKER COMISSIONS | Claims processing; Contract Administrator Service code 12 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | $18K |
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 |
|---|---|---|---|
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 202 | $115K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 202 | $115K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 202 | $115K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 202 | $115K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 202 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.