| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE GARDEN CITY, NY 11530 | AETNA LIFE INSURANCE COMPANY | $48K | — | $48K | 2.43% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $40K | — | $40K | 2.03% |
| GLOBAL COVERAGE INC.3 Filed as: GLOBAL COVERAGE INC | 358 5TH AVE NEW YORK, NY 10001 | AETNA LIFE INSURANCE COMPANY | $32K | — | $32K | 1.62% |
| COMPREHENSIVE INSURANCE SOLUTIONS3 | 5550 PAINTED MIRAGE ROAD SUITE 320 LAS VEGAS, NV 89149 | HEALTH PLAN OF NEVADA | $82K | — | $82K | 4.92% |
| 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 | $14K | — | $14K | 6.27% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLYN AVENUE SUITE 210 GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $5K | $10K | 7.16% |
| KELLIE LEANNE WELLS3 | 16281 SAVOY CT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 6.48% |
| SHELTON BENEFITS LLC3 | PO BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $148 | $3K | 5.85% |
| MELISSA BILLINGSLEY3 | 3224 OAKLEIGH CIRCLE OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $517 | $847 | $1K | 3.09% |
| JESSICA SHELTON3 | PO BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.85% |
| LEWIS ASHTON BROCK III3 | 8776 SPRING GRV N MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $556 | $255 | $811 | 1.83% |
| JENNIFER C CUSHMAN3 | 5038 CAMELOT DR W MOBILE, AL 36619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $398 | $457 | 1.03% |
| GRACE BILLINGSLEY3 | 1600 TANNER WILLIAMS RD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $236 | $286 | 0.65% |
| ASHLEY CROOK3 Filed as: ASHLEY NETTLES | 8290 PINE WEST CT W MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $161 | $175 | 0.40% |
| MAKING BENEFITS COUNT LLC3 | 2717 SEVILLE BLVD CLEARWATER, FL 33764 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | — | $170 | 0.38% |
| SHERREL S COCHRAN3 | 3734 BRANCH DR SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $25 | $158 | 0.36% |
| MARK ADAM WELLS3 | 1216 PORTER AVE. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.27% |
| MINOR AND ASSOCIATES INC3 | 2146 PRESERVE DR AUBURN, AL 36879 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.12% |
| BARDEN AND ASSOCIATES LLC3 | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.11% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.09% |
| CAMERON BRETT SMITH3 | 5504 TIMBERLAND DR SATSUMA, AL 36572 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $8 | $37 | 0.08% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.07% |
| EVAN LEWIS SMITH3 | 3324 OAKLEIGH CIR OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| THE KLATT GROUP LLC3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE STE 210 GARDEN CITY, NY 115301630 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $15 | $2K | 7.04% |
| SHELTON BENEFITS LLC3 | PO BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $54 | $2K | 5.79% |
| KELLIE LEANNE WELLS3 | 16281 SAVOY CT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $511 | $137 | $648 | 1.94% |
| JESSICA SHELTON3 | PO BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $571 | — | $571 | 1.71% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST FL 4 MOBILE, MS 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $100 | $311 | 0.93% |
| JENNIFER C CUSHMAN3 | 5038 CAMELOT DR W MOBILE, AL 36619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $241 | $277 | 0.83% |
| LEWIS ASHTON BROCK III3 | 8776 SPRING GRV N MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $50 | $243 | 0.73% |
| MAKING BENEFITS COUNT LLC3 | 2717 SEVILLE BLVD CLEARWATER, FL 33764 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 0.31% |
| MARK ADAM WELLS3 | 1216 PORTER AVE. OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.29% |
| ASHLEY CROOK3 Filed as: ASHLEY NETTLES | 8290 PINE WEST CT W MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $87 | $94 | 0.28% |
| BARDEN AND ASSOCIATES LLC3 | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.17% |
| EVAN LEWIS SMITH3 | 3324 OAKLEIGH CIR OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.16% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.13% |
| MINOR AND ASSOCIATES INC3 | 2146 PRESERVE DR AUBURN, AL 36879 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| SHERREL S COCHRAN3 | 3734 BRANCH DR SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $4 | $24 | 0.07% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| CAMERON BRETT SMITH3 | 5504 TIMBERLAND DR SATSUMA, AL 36572 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 0.04% |
| GRACIE BILLINGSLEY3 | 11600 TANNER WILLIAMS RD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $10 | $12 | 0.04% |
| CHANE SAMANTHA HINES3 | 927 KINBLE ROCK COURT LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| THE KLATT GROUP LLC3 | 23836-H W. CYPRESS WAY ORANGE BEACH, AL 36561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 401 BROADHOLLOW ROAD MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF BOSTON & NEW YORK | $122 | — | $122 | 9.98% |
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 | 573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 366 | $4.1M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 282 | $752K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 282 | $752K |
| Life insurance(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $342K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $228K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 366 | $2.1M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 282 | $729K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.