| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MEDICAL LINK LLC3 Filed as: THE MEDICAL LINK, LLC | 1305 FRANKLYN AVENUE STE 225 GARDEN CITY, NY 11530 | OXFORD HEALTH INSURANCE, INC | $43K | — | $43K | 2.42% |
| GLOBAL COVERAGE INC.3 | 9 E 37TH ST 4TH FLOOR NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE, INC | $28K | — | $28K | 1.61% |
| CAPSTONE BROKERAGE INC.3 Filed as: CAPSTONE BROKERAGE INC | 8681 W SAHARA AVE #100 LAS VEGAS, NV 89117 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $38K | — | $38K | 4.70% |
| CAPSTONE BROKERAGE INC.3 Filed as: CAPSTONE BROKERAGE INC | 8681 W SAHARA AVE #100 LAS VEGAS, NV 89117 | HMO COLORADO, INC. | $27K | — | $27K | 4.70% |
| CAPSTONE BROKERAGE INC.3 Filed as: CAPSTONE BROKERAGE INC | 8681 W SANARA AVE STE 100 LAS VEGAS, NV 89117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 5.92% |
| THE MEDICAL LINK LLC3 Filed as: THE MEDICAL LINK | 1305 FRANKLYN AVENUE SUITE 225 GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $5K | $12K | 7.02% |
| LYONS MAURICE LTD3 | 301 MADISON AVE 4TH FL NEW YORK, NC 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $618 | — | $618 | 0.36% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE STE 225 GARDEN CITY, NY 115301661 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $76 | $2K | 6.93% |
| JESSICA SHELTON3 | P.O. BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 14.91% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | $1K | $1K | 4.00% |
| RICHARD BOWEN3 | 1701 WOODBRIDGE CIR FOLEY, AL 36535 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $648 | — | $648 | 2.00% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $272 | $522 | 1.61% |
| THOMAS WAYNE HOPPER3 | PO BOX 306 MOBILE, AL 36601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $444 | — | $444 | 1.37% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $73 | $395 | 1.22% |
| NORMAN SOREN3 | 630 NORMAN LN FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $85 | $370 | 1.14% |
| TIMOTHY R KLATT3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $141 | $352 | 1.09% |
| AMELIA ANN HAM3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $109 | $217 | 0.67% |
| MINOR AND ASSOCIATES INC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.42% |
| LINDSEY MCCLUSKEY3 | 202 ORLEANS DR FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $9 | $59 | 0.18% |
| ASHLEY WIMBERLEY SKELTON3 Filed as: ASHLEY WIMBERLY SKELTON | 1300 MAGNOLIA CIRCLE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $7 | $43 | 0.13% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.11% |
| AUBURN BENEFITS SOLUTIONS LLC3 | 300 LEE RD 669 AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| CHANE SAMANTHA HINES3 | 300 LEE RD 669 AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JESSICA SHELTON3 | P.O. BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $766 | $3K | 13.08% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $692 | $834 | 3.15% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $525 | $162 | $687 | 2.59% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $198 | $393 | 1.48% |
| RICHARD BOWEN3 | 1701 WOODBRIDGE CIR FOLEY, AL 36535 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | — | $372 | 1.40% |
| NORMAN SOREN3 | 630 NORMAN LN FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | $71 | $308 | 1.16% |
| THOMAS WAYNE HOPPER3 | PO BOX 306 MOBILE, AL 36601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | — | $306 | 1.15% |
| TIMOTHY R KLATT3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $115 | $285 | 1.08% |
| MINOR AND ASSOCIATES INC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $41 | $185 | 0.70% |
| AMELIA ANN HAM3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $65 | $129 | 0.49% |
| LINDSAY MCCLUSKEY3 | 202 ORLEANS DR FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $5 | $32 | 0.12% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.10% |
| ASHLEY WIMBERLEY SKELTON3 | 1300 MAGNOLIA CURVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $4 | $25 | 0.09% |
| LANE O MINOR3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| KEVIN WRIGHT3 | 877 BONNEVILLE DR MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JESSICA SHELTON3 | P.O. BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $823 | $179 | $1K | 9.66% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | $144 | $465 | 4.48% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $196 | $236 | 2.27% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $46 | $113 | 1.09% |
| RICHARD BOWEN3 | 1701 WOODBRIDGE CIR FOLEY, AL 36535 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.76% |
| MINOR AND ASSOCIATES INC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.73% |
| NORMAN SOREN3 | 630 NORMAN LN FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $14 | $74 | 0.71% |
| TIMOTHY R KLATT3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $29 | $72 | 0.69% |
| AMELIA ANN HAM3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $21 | $42 | 0.40% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.14% |
| LINDSAY MCCLUSKEY3 | 202 ORLEANS DR FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.09% |
| ASHLEY WIMBERLEY SKELTON3 | 1300 MAGNOLIA CURVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.08% |
| JOE MYKUT3 | 1500 BAY ROAD MIAMI BEACH, FL 33139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| TASHA QUINNELLY3 | 155 COUNTRY CLUB DRIVE DAPHNE, AL 36526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF BOSTON & NEW YORK | $138 | — | $138 | 9.96% |
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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | OXFORD HEALTH INSURANCE, INC | 231 | $3.6M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 554 | $805K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 554 | $805K |
| Life insurance(6 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 529 | $381K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 323 | $275K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 77 | $356K |
| Other(7 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 529 | $745K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.