| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WENZLER AGENCY INC3 | PO BOX 803 DECATUR, AL 35602 | DELTA DENTAL OF ILLINOIS | $6K | — | $6K | 7.50% |
| THE WENZLER AGENCY INC3 | PO BOX 803 DECATUR, AL 35602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.78% |
| JEFFREY TATE WELCH | PO BOX 554 LUVERNE, AL 36049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $687 | — | $687 | 3.71% |
| HEATHER HORN | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $74 | $273 | 1.48% |
| SUZANNE M CALHOUN Filed as: SUZANNE CALHOUN | 3405 HADDONSTONE DR OWENS X RD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 1.10% |
| BARDEN AND ASSOCIATES LLC | 228 PALMER DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $24 | $171 | 0.92% |
| PJ SKELTON LLC | 1580 CLUB CREEK DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $87 | $166 | 0.90% |
| COMPLETE BUSINESS BENEFITS INC | 4066 WARES FERRY ROAD MONTGOMERY, AL 36109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.57% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: SIERA NICOLE BROWN | 109 RIDGEGATE PL HUNSTVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.54% |
| MICHEL BRIAN WARD | 412 MARKET ST NE DECATUR, AL 35601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $9 | $82 | 0.44% |
| ANDRES LOPEZ | 11713 SIERRA MORENA CIRCLE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| CAROLE ELIZABETH TURNER | 14 OAK POINT DR FAYETTEVILLE, TN 37334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.06% |
| CLAIRE HALEY GRIFFITH | 1060 GRANDVIEW BLVD UNIT 623 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| ANWULIKA WHITNEY ANWAH | 650 WYNN DR HUNTSVILLE, AL 35816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| KENDALL BRYANT | 12810 SCOTT LANE MADISON, AL 35756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| RENEE WENZLER3 | PO BOX 803 DECATUR, AL 35602 | VISION CARE | $888 | — | $888 | 10.06% |
| THE WENZLER AGENCY INC | PO BOX 803 DECATUR, AL 35602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | — | $301 | 4.37% |
| JEFFREY TATE WELCH | PO BOX 554 LUVERNE, AL 36049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 2.57% |
| BARDEN AND ASSOCIATES LLC | 228 PALMER DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $4 | $49 | 0.71% |
| HEATHER HORN | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $13 | $49 | 0.71% |
| PJ SKELTON LLC | 1580 CLUB CREEK DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $16 | $40 | 0.58% |
| SUZANNE M CALHOUN Filed as: SUZANNE CALHOUN | 3104 HADDONSTONE DR OWENS X RD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.54% |
| COMPLETE BUSINESS BENEFITS INC | 4066 WARES FERRY ROAD MONTGOMERY, AL 36109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.48% |
| ANDRES LOPEZ | 11713 SIERA MORENA CIRCLE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.39% |
| MICHAEL BRIAN WARD | 512 MARKET ST NE DECATUR, AL 35601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $1 | $24 | 0.35% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: SIERA NICOLE BROWN | 109 RIDGEGATE PL HUNSTVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| CAROLE H WARREN | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.10% |
| ANWUIKA WHITNEY ANWAH | 650 WYNN DR HUNTSVILLE, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| CLAIRE HALEY GRIFFITH | 1060 GRANDVIEW BLVD UNIT 623 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| KENDALL BRYANT | 12810 SCOTT LANE MADISON, AL 35756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| THE WENZLER AGENCY INC3 | PO BOX 803 DECATUR, AL 35602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 100.00% |
| THE WENZLER AGENCY INC | PO BOX 803 DECATUR, AL 35602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $589 | — | $589 | 15.01% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 101 | $1.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 107 | $79K |
| Vision | VISION CARE | 98 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $10K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $8K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 57 | $14K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 101 | $1.2M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 105 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.