| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | GULF GUARANTY LIFE | $172K | — | $172K | 20.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVC DBA FBC INS | P.O. BOX 240518 MONTGOMERY, AL 36124 | VISION SERVICE PLAN | $4K | — | $4K | 10.08% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $176 | — | $176 | 0.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCES SERVICES | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $121 | $3K | 10.81% |
| CHRISTOPHER EUGENE ALLEN3 | 1285 FLATROCK RD TALLASSEE, AL 36078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $277 | $550 | 1.98% |
| COMPLETE BUSINESS BENEFITS INC3 Filed as: COMPLETE BUSINESS BENEFITS INC. | 905 W TUSKEENA ST WETUMPKA, AL 36092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $430 | $96 | $526 | 1.89% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $77 | $227 | 0.82% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN AND ASSOCIATES, LLC | 228 PALMER DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $55 | $205 | 0.74% |
| KATHRYN KENNER DECOUX3 Filed as: KATHRYN KENNER DECCOUX | 2210 SPRINGWOOD DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $7 | $77 | 0.28% |
| WILLIAM BRANNON POWELL3 | 928 ANDREWS AVE AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $4 | $5 | 0.02% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 333 | $3.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 333 | $3.6M |
| Vision | VISION SERVICE PLAN | 238 | $35K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 52 | $28K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 333 | $3.6M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 568 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.