| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS, INC. | P.O. BOX 10265 BIRMINGHAM, AL 35202 | LLOYDS OF LONDON | $15K | — | $15K | 5.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SIEBELS & WILLIAMS, INC. | 2211 7TH AVE S BIRMINGHAM, AL 35233 | DELTA DENTAL INSURANCE CO. | $16K | — | $16K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SIEBELS & WILLIAMS, INC. | 2211 7TH AVE S BIRMINGHAM, AL 35233 | AMERICAN GENERAL LIFE INS CO. | $20K | $0 | $20K | 11.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SIEBELS & WILLIAMS, INC | P.O. BOX 10265 BIRMINGHAM, AL 35202 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $2K | $0 | $2K | 4.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | P.O. BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $1K | $0 | $1K | 2.52% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35224 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $1K | $335 | $1K | 2.43% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $978 | $0 | $978 | 1.74% |
| ROBERT H STONE SR3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $423 | $222 | $645 | 1.15% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $308 | $266 | $574 | 1.02% |
| AIMEE STONE | 2317 GARLAND DR BIRMINGHAM, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $316 | $179 | $495 | 0.88% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $305 | $0 | $305 | 0.54% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE AND ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $112 | $119 | $231 | 0.41% |
| KLINGBEIL AND ASSOCIATES INC3 | KLINGBEIL AND ASSOCIATES ATLANTA, GA 30328 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $218 | $0 | $218 | 0.39% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $202 | $0 | $202 | 0.36% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $130 | $0 | $130 | 0.23% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $125 | $0 | $125 | 0.22% |
| LISA MARIE KLEIN3 | 1509 KINGS RD CANTONMENT, FL 32533 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $102 | $0 | $102 | 0.18% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $94 | — | $94 | 0.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SIEBELS & WILLIAMS, INC. | P.O. BOX 10265 BIRMINGHAM, AL 35202 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROS BLUE SHIELD OF ALABAMA EIN 63-0103830 | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY E BIRMINGHAM, AL 35298 | $220K |
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 | 687 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LLOYDS OF LONDON | 403 | $277K |
| Dental | DELTA DENTAL INSURANCE CO. | 763 | $265K |
| Vision | VISION SERVICE PLAN | 307 | $49K |
| Life insurance | AMERICAN GENERAL LIFE INS CO. | 559 | $169K |
| Short-term disability | AMERICAN GENERAL LIFE INS CO. | 559 | $169K |
| Long-term disability | AMERICAN GENERAL LIFE INS CO. | 559 | $169K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE CO | 118 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.