| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SIEBELS & WILLAIMS, INC. | P.O. BOX 10265 BIRMINGHAM, AL 35601 | LLOYDS OF LONDON | $15K | — | $15K | 4.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SIEBELS & WILLIAMS | 2211 7TH AVE S BIRMINGHAM, AL 35233 | DELTA DENTAL INSURANCE CO. | $14K | — | $14K | 5.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN AND HALL | 2211 7TH AVE S BIRMINGHAM, AL 35233 | DELTA DENTAL INSURANCE CO. | $1K | — | $1K | 0.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SIEBELS | 2211 7TH AVE S BIRMINGHAM, AL 35233 | AMERICAN GENERAL LIFE INSURANCE CO. | $24K | — | $24K | 11.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SIEBELS & WILLIAMS | P.O. BOX 10265 BIRMINGHAM, AL 35223 | VISION SERVICE PLAN | $2K | — | $2K | 3.08% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DR STE 200 MOUNTAIN BROOK, AL 35223 | VISION SERVICE PLAN | $178 | — | $178 | 0.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SIEBELS & WILLAIMS, INC. | P.O. BOX 10265 BIRMINGHAM, AL 35202 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $2K | — | $2K | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | P.O. BOX WEST POINT, GA 31833 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $1K | — | $1K | 2.18% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $858 | $141 | $999 | 1.66% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $910 | — | $910 | 1.51% |
| ROBERT H STONE SR3 Filed as: ROBERT H STONE | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $436 | $142 | $578 | 0.96% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $277 | $195 | $472 | 0.78% |
| AIMEE STONE3 | 2317 GARLAND DR BIRMINGHAM, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $298 | $105 | $403 | 0.67% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $282 | — | $282 | 0.47% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 19245 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $114 | $153 | $267 | 0.44% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHYAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $182 | — | $182 | 0.30% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $148 | — | $148 | 0.25% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS, INC. | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $120 | — | $120 | 0.20% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DR BIRMINGHAM, AL 35224 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $108 | — | $108 | 0.18% |
| LISA MARIE KLEIN3 | 1509 KINGS ROAD CANTONMENT, FL 32533 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $93 | — | $93 | 0.15% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $91 | — | $91 | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST P.O. BOX 995 BIRMINGHAM, AL 35298 | $250K |
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 | 711 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LLOYDS OF LONDON | 440 | $305K |
| Dental | DELTA DENTAL INSURANCE CO. | 771 | $278K |
| Vision | VISION SERVICE PLAN | 332 | $62K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE CO. | 954 | $199K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE CO. | 954 | $199K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE CO. | 954 | $199K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | 118 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
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.