| 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 | $157K | — | $157K | 21.01% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVC DBA FBC INS | P.O. BOX 240518 MONTGOMERY, AL 36124 | VISION SERVICE PLAN | $3K | — | $3K | 9.99% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $160 | — | $160 | 0.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCES SERVICES | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $13 | $2K | 9.80% |
| CHRISTOPHER EUGENE ALLEN3 | 1285 FLATROCK RD TALLASSEE, AL 36078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | $19 | $270 | 1.09% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $76 | $261 | 1.05% |
| COMPLETE BUSINESS BENEFITS INC3 Filed as: COMPLETE BUSINESS BENEFITS INC. | 905 W TUSKEENA ST WETUMPKA, AL 36092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.58% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN AND ASSOCIATES, LLC | 228 PALMER DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $9 | $135 | 0.54% |
| KATHRYN KENNER DECOUX3 Filed as: KATHRYN KENNER DECCOUX | 2210 SPRINGWOOD DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 288 | $3.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 288 | $3.4M |
| Vision | VISION SERVICE PLAN | 221 | $32K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 52 | $25K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 288 | $3.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 489 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.