| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNE | 10575 KATY FREEWAY SUITE 150 HOUSTON, TX 77024 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $38K | $7K | $45K | 22.54% |
| NATIONAKL ENROLLMENT SERV3 | 450 SKOKIE BOULEVARD SUITE 701 NORTHBROOK, IL 60062 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $36K | — | $36K | 17.91% |
| NATIONAL ENROLLMENT SERVICES3 Filed as: NATIONAL ENROLLMENT SERVICES INC. | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | — | $7K | $7K | 3.52% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 2734 NORTH MILDRED AVENUE SUITE 3 CHICAGO, IL 60618 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.95% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LI | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | — | $29K | 50.00% |
| LABOW MAIA3 Filed as: LABOW HOWARD B | 555 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | — | $27K | 47.60% |
| TORRES ERIKA M3 | 10805 LACROSSE AVENUE OAK LAWN, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.40% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | TRANSAMERICA INSURANCE CO | $11K | — | $11K | 20.27% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO | $8K | — | $8K | 14.03% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | $6K | — | $6K | 10.53% |
| AMWINS Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | $4K | — | $4K | 7.68% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 36124 | TRANSAMERICA INSURANCE CO | $97 | — | $97 | 0.17% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO | $83 | — | $83 | 0.15% |
| WESTON WILLIAMS3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO | $78 | — | $78 | 0.14% |
| LBA SERVICE LLC3 Filed as: LBA SERVICES LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO | $28 | — | $28 | 0.05% |
| LBA SERVICE LLC3 Filed as: LBA CONSULTING | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO | $19 | — | $19 | 0.03% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LI | 4211 WEST BOY SCOUT BOULEVARD TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.19% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $373 | $1K | 5.42% |
| LEO GOETZ3 | 15288 CELESTE ROAD CHUNCHULA, AL 36521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $531 | $842 | $1K | 5.10% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $6 | $1K | 4.61% |
| KARA HUGHES PARDUE3 | 623 SOUTHERN WAY SPANISH FORT, AL 36527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $838 | $356 | $1K | 4.44% |
| KRISTEN RAE PHILLIPS3 | 1509 GOVERNMENT STREET FLOOR 4 MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $651 | $828 | 3.08% |
| JENNIFER C CUSHMAN3 | 5038 CAMELOT DRIVE WEST MOBILE, AL 36619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $566 | $640 | 2.38% |
| ERIS VENTURES LLC3 | 931 MONROE DRIVE NORTHEAST SUITE A102 ATLANTA, GA 30308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $300 | $515 | 1.91% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT STREET FLOOR 4 MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $268 | $367 | 1.36% |
| TODD BOOZER3 | 2900 CAHABA ROAD SUITE G 5 MOUNTAIN BROOK, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 1.04% |
| DEMPSEY D BELL3 | 17204 STATE HIGHWAY 21 MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 0.83% |
| KATHRYN KENNER DECOUX3 | 2210 SPRINGWOOD DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $1 | $209 | 0.78% |
| MITCHELL HECTOR MORALES3 | 1264 GABLES VIEW PLACE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $31 | $188 | 0.70% |
| GRACIE BILLINGSLEY3 | 945 SCHILLINGER ROAD SOUTH APARTMENT 1603 MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $155 | $180 | 0.67% |
| WEST WILLIMAS3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 0.65% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| ROBERT H STONE SR3 Filed as: ROBERT H STONE | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 118 | $938K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 149 | $201K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 149 | $201K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 115 | $84K |
| Short-term disability | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 149 | $201K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 118 | $938K |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 149 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.