| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | 6730 TAYLOR CT MONTGOMERY, AL 36117 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 9.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 6.03% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | VISION SERVICE PLAN | $868 | — | $868 | 2.45% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | VISION SERVICE PLAN | $867 | — | $867 | 2.45% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $133 | — | $133 | 0.38% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN AND ASSOCIATES, LLC | 228 PALMER DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $6K | $18K | 69.60% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 36.01% |
| CHRISTOPHER EUGENE ALLEN3 | 1285 FLATROCK RD TALLASSEE, AL 36078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $739 | $3K | $4K | 14.71% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $514 | $2K | $2K | 9.25% |
| COMPLETE BUSINESS BENEFITS INC3 Filed as: COMPLETE BUSINESS BENEFITS INC. | 4066 WARES FERRY ROAD MONTGOMERY, AL 36109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $441 | $2K | 6.23% |
| KATHRYN KENNER DECOUX3 Filed as: KATHRYN KENNER | 805 HEARD AVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $9 | $23 | 0.09% |
| WILLIAM BRANNON POWELL3 | 928 ANDREWS AVE AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $2 | $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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 368 | $4.0M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 312 | $165K |
| Vision | VISION SERVICE PLAN | 254 | $35K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 56 | $26K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 368 | $4.0M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 368 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.