| 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 | $211K | $0 | $211K | 16.03% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SYMETRA LIFE INSURANCE COMPANY | $0 | $43K | $43K | 3.25% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | SYMETRA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.07% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78K | $28K | $107K | 13.60% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56K | $0 | $56K | 20.19% |
| DOWDY INSURANCE3 Filed as: DOWDY INSURANCE, LLC | 7352 WALL TRIANA HIGHWAY MADISON, AL 35757 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 5.08% |
| RITA MARIE MARSHALL3 | 6721 NEW CASTLE ROAD MORRIS, AL 35116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.25% |
| PATRICK FRENCH3 Filed as: PATRICK FRENCH AND OTHER AGENTS | 214 GLEN MEADOWS LANE HARVEST, AL 35749 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.12% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C. ZOMBRO | 625 COUNTRY ROAD, SUITE 106 FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.27% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY M. SATTERLEE | 100 SUN AVENUE NE, SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.94% |
| STEFANI M. NELSON3 | 911 COUNTY ROAD HANCEVILLE, AL 35077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.50% |
| ELLISON J. GRAY3 Filed as: ELLISON JONES GRAY | 1747 REESE STREET, SUITE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 3.59% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 1.54% |
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 | 1,606 | 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) | 1,606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,915 | $15.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,655 | $785K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,655 | $785K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,101 | $1.3M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,101 | $1.3M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,101 | $1.3M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,915 | $15.7M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,101 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,101 | — |
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.