| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | SYMETRA LIFE INSURANCE COMPANY | $90K | $0 | $90K | 18.81% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $0 | $42K | 8.78% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67K | $0 | $67K | 25.65% |
| DOWDY INSURANCE3 Filed as: DOWDY INSURANCE, LLC | 7352 WALL TRIANA HIGHWAY MADISON, AL 35757 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.14% |
| JEFFREY M. SATTLERLEE3 | 100 SUN AVENUE NE, SUITE 650 ALBUQUERGUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.12% |
| RITA MARIE MARSHALL3 | 6721 NEW CASTLE ROAD MORRIS, AL 35116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.79% |
| STEFANI M. NELSON3 | 911 COUNTY ROAD HANCEVILLE, AL 35077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.55% |
| KIMBERLY LOVING3 | 2804 DUNBARTON COURT SW DECATUR, AL 35603 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.47% |
| JAMES D LANCASTER3 Filed as: JAMES C. ZOMBRO AND OTHER AGENTS | 625 COUNTY ROAD, SUITE 106 FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $697 | $0 | $697 | 0.27% |
| DOWDY INSURANCE3 Filed as: DOWDY INSURANCE, LLC | 7352 WALL TRIANA HIGHWAY MADISON, AL 35757 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 4.67% |
| COLLAS E. WASHINGTON3 Filed as: COLLAS E. WASHINGTON AND OTHERS | 4 ASHBURY WOODS DRIVE, SUITE 207 HUNTSVILLE, AL 35824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 4.37% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C. ZOMBRO | 625 COUNTY ROAD, SUITE 106 FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.54% |
| RITA MARIE MARSHALL3 | 6721 NEW CASTLE ROAD MORRIS, AL 35116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.51% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.16% |
| STEFANI M. NELSON3 | UNKNOWN HANCEVILLE, AL 35077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.45% |
| JEFFREY M. SATTLERLEE3 | 100 SUN AVENUE NE, SUITE 650 ALBUQUERGUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | STARMOUNT LIFE INSURANCE COMPANY | $14K | $2K | $15K | 11.68% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $770 | $9K | 14.28% |
| ELLISON J. GRAY3 Filed as: ELLISON JONES GRAY | 1747 REESE STREET, SUITE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.01% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 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 | 2,003 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,798 | $13.9M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,532 | $604K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,532 | $604K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,003 | $544K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,925 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,925 | $65K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,798 | $13.9M |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,003 | $936K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,798 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.