| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 14.17% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 14.55% |
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE SR. | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $391 | $0 | $391 | 1.02% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $282 | $0 | $282 | 0.74% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 0.21% |
| JANELLE MARIE WOHLETZ3 | 389 HIGHWAY 20 WEST DENON, KS 66017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.06% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| ALEXANDER OTTONIEL CANAS3 Filed as: ALEXANDER CANAS AND OTHER AGENTS | 27448 RIVERSIDE LANE VALENCIA, CA 91354 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $146K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $146K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $146K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $146K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.