| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $137K | $0 | $137K | 16.87% |
| JONES ELLISON GRAY3 | 1747 REESE STREET, SUITE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $821 | $0 | $821 | 0.10% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $342 | -$10 | $332 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37 | -$21 | $16 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | STARMOUNT LIFE INSURANCE COMPANY | $82K | $0 | $82K | 10.43% |
| DOWDY INSURANCE3 Filed as: DOWDY INSURANCE, LLC | 7352 WALL TRIANA HIGHWAY MADISON, AL 35757 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58K | $0 | $58K | 10.76% |
| KIMBERLY LOVING AND OTHER AGENTS3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43K | $0 | $43K | 8.01% |
| RITA MARIE MARSHALL3 | 6721 NEW CASTLE ROAD MORRIS, AL 35116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | $0 | $36K | 6.68% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C. ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32K | $0 | $32K | 6.04% |
| JEFFERY M SATTERLEE3 Filed as: JEFFERY M. SATTERLEE | 100 SUN AVENUE NE, SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 2.26% |
| STEFANI M. NELSON3 | 911 COUNTY ROAD HANCEVILLE, AL 35077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.51% |
| COLLAS E. WASHINGTON3 | 4 ASHBURY WOODS DRIVE, SUITE 207 HUNTSVILLE, AL 35824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.48% |
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 | 1,616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,356 | $11.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,282 | $786K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,282 | $786K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,749 | $813K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,749 | $813K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,749 | $813K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,356 | $11.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,749 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,356 | — |
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.