| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $73K | $14K | $87K | 16.80% |
| MARSHELLE LYONS3 | 2512 12TH STREET SOUTHWEST APARTMENT C HUNTVILLE, AL 35805 | AFLAC | $875 | — | $875 | 6.51% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $477 | $53 | $530 | 3.95% |
| PATRICK FRENCH3 | 214 GLEN MEADOW LANE HARVEST, AL 35749 | AFLAC | $286 | $12 | $298 | 2.22% |
| LARRY COUNTS3 | 5024 COUNTY ROAD 214 TRINITY, AL 35673 | AFLAC | $159 | — | $159 | 1.18% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE SUITE 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $146 | — | $146 | 1.09% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $131 | — | $131 | 0.98% |
| WILLIAM F REAVES3 | 109 PARKER DRIVE HUNTSVILLE, AL 35811 | AFLAC | $120 | — | $120 | 0.89% |
| CAROL R. HERNDON3 Filed as: CAROL HERNDON | 1792 MCKEE ROAD TONEY, AL 35773 | AFLAC | $80 | $40 | $120 | 0.89% |
| KELVIN MICHAEL RICE3 | 529 EDENBURGH WAY DOTHAN, AL 36305 | AFLAC | $111 | $4 | $115 | 0.86% |
| BYRON C LANGDON3 | 5959 GATEWAY BOULEVARD WEST SUITE 369 EL PASO, TX 79925 | AFLAC | $62 | — | $62 | 0.46% |
| ERIN C TOMLINSON3 | 278 DRURY LANE ALBERTVILLE, AL 35950 | AFLAC | $59 | — | $59 | 0.44% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $50 | — | $50 | 0.37% |
| NATOSHA C. DRAKE3 Filed as: NATOSHA CHERIE DRAKE | 592 BUTTER AND EGG ROAD HAZEL GREEN, AL 35750 | AFLAC | $37 | — | $37 | 0.28% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GROVE OLD HICKORY, TN 37138 | AFLAC | $31 | — | $31 | 0.23% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $28 | — | $28 | 0.21% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $25 | — | $25 | 0.19% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DRIVE NORTHWEST SUITE G HUNTSVILLE, AL 35805 | AFLAC | $15 | $8 | $23 | 0.17% |
| GIBBS MORGAN3 | PO BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $16 | — | $16 | 0.12% |
| JOSH MURILLO3 | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $11 | — | $11 | 0.08% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $8 | — | $8 | 0.06% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.04% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $4 | — | $4 | 0.03% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.02% |
| JOHN W AMOS3 | 10051 VETERANS PARKWAY SUITE B-2 MIDLAND, GA 31820 | AFLAC | $3 | — | $3 | 0.02% |
| JOSHUA D TILLEY3 | 6918 US HIGHWAY 72 ATHENS, AL 35611 | AFLAC | $3 | — | $3 | 0.02% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 236 HAVERSHAM ROAD DELTONA, FL 32725 | AFLAC | $2 | — | $2 | 0.01% |
| JOEL SANDERS3 | 2165 HALCYON BOULEVARD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | MDLIVE | $2K | — | $2K | 21.53% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MDLIVE | 282 | $10K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $515K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $515K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $515K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $515K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.