| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MEDICAL LINK LLC3 Filed as: THE MEDICAL LINK, LLC | 1305 FRANKLIN AVENUE STE 225 GARDEN CITY, NY 11530 | OXFORD HEALTH INSURANCE, INC | $56K | — | $56K | 2.36% |
| GLOBAL COVERAGE INC.3 | 9 E 37TH ST 4TH FLOOR NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE, INC | $37K | — | $37K | 1.58% |
| COMPREHENSIVE INSURANCE SOLUTIONS3 | 5550 PAINTED MIRAGE ROAD SUITE 320 LAS VEGAS, NV 89149 | HEALTH PLAN OF NEVADA | $46K | — | $46K | 4.49% |
| COMPREHENSIVE INSURANCE SOLUTIONS3 Filed as: COMPREHENSIVE INSURANCE SOLUTI | 5550 PAINTED MIRAGE RD SUITE 320 LAS VEGAS, NV 89149 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.07% |
| 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 | $2K | — | $2K | 0.90% |
| CAPSTONE BROKERAGE INC.3 Filed as: CAPSTONE BROKERAGE INC | 4525 W RENO AVE #A-5 LAS VEGAS, NV 89118 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $9K | — | $9K | 3.47% |
| COMPREHENSIVE INSURANCE SOLUTIONS3 | 5550 PAINTED MIRAGE ROAD SUITE 320 LAS VEGAS, NV 89149 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $6K | — | $6K | 2.32% |
| CAPSTONE BROKERAGE INC.3 Filed as: CAPSTONE BROKERAGE INC | 4525 W RENO AVE #A-5 LAS VEGAS, NV 89118 | HMO COLORADO, INC. | $7K | — | $7K | 3.47% |
| COMPREHENSIVE INSURANCE SOLUTIONS3 | 5550 PAINTED MIRAGE ROAD SUITE 320 LAS VEGAS, NV 89149 | HMO COLORADO, INC. | $5K | — | $5K | 2.32% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLYN AVENUE SUITE 225 GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.08% |
| LYONS MAURICE LTD3 | 2778 OCEAN BLVD APT 204S PALM BEACH, FL 33480 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $473 | — | $473 | 0.33% |
| SHELTON BENEFITS LLC3 | P.O. BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 16.46% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $746 | $3K | $3K | 7.66% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $908 | $399 | $1K | 3.02% |
| AMELIA ANN HAM3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $579 | $463 | $1K | 2.41% |
| MICHELLE THERESE MARONA3 | 8946 NORTH CT DAPHNE, AL 36527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $446 | $227 | $673 | 1.56% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | $318 | $569 | 1.32% |
| MARK ADAM WELLS3 | 1509 GOVERNMENT STREET MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $376 | $424 | 0.98% |
| RICHARD BOWEN3 | 1701 WOODBRIDGE CIR FOLEY, AL 36535 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | — | $331 | 0.77% |
| ASHLEY WIMBERLEY SKELTON3 Filed as: ASHLEY WIMBERLY SKELTON | 1300 MAGNOLIA CIRCLE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $112 | $326 | 0.75% |
| MINOR AND ASSOCIATES INC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.23% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $2 | $40 | 0.09% |
| THE KLATT GROUP LLC3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.05% |
| TIMOTHY R KLATT3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | 0.02% |
| AUBURN BENEFITS SOLUTIONS LLC3 | 300 LEE RD 669 AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| LINDSEY MCCLUSKEY3 | 202 ORLEANS DR FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| SHELTON BENEFITS LLC3 | P.O. BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $489 | $4K | 11.73% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $360 | $1K | $2K | 5.05% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $652 | $223 | $875 | 2.84% |
| AMELIA ANN HAM3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $219 | $493 | 1.60% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $122 | $269 | 0.87% |
| MARK ADAM WELLS3 | 1509 GOVERNMENT STREET MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $206 | $232 | 0.75% |
| ASHLEY WIMBERLEY SKELTON3 | 1300 MAGNOLIA CURVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $54 | $157 | 0.51% |
| MINOR AND ASSOCIATES INC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.42% |
| MICHELLE THERESE MARONA3 | 8946 NORTH CT DAPHNE, AL 36527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $43 | $128 | 0.42% |
| RICHARD BOWEN3 | 1701 WOODBRIDGE CIR FOLEY, AL 36535 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.24% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| TIMOTHY R KLATT3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $6 | $13 | 0.04% |
| THE KLATT GROUP LLC3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| LINDSEY MCCLUSKEY3 | 202 ORLEANS DR FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE STE 225 GARDEN CITY, NY 115301661 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $68 | $2K | 8.06% |
| SHELTON BENEFITS LLC3 | P.O. BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $516 | $76 | $592 | 12.35% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $116 | $364 | 7.60% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $239 | $308 | 6.43% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $43 | $82 | 1.71% |
| AMELIA ANN HAM3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $36 | $81 | 1.69% |
| MINOR AND ASSOCIATES INC3 | 4626 STARBOARD LANE ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.58% |
| ASHLEY WIMBERLEY SKELTON3 | 1300 MAGNOLIA CURVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $8 | $23 | 0.48% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.10% |
| TIMOTHY R KLATT3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.10% |
| THE KLATT GROUP LLC3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| LINDSAY MCCLUSKEY3 | 202 ORLEANS DR FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF BOSTON & NEW YORK | $136 | — | $136 | 10.03% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | OXFORD HEALTH INSURANCE, INC | 412 | $4.3M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 563 | $774K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 563 | $774K |
| Life insurance(6 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 485 | $374K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $266K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 412 | $1.4M |
| Other(6 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 485 | $737K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.