| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 MOUNTAIN BROOK, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $1K | $14K | 16.64% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 MOUNTAIN BROOK, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.11% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 MOUNTAIN BRROK, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $1K | $12K | 17.11% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.01% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVE NORTHPORT, AL 35475 | AFLAC | $4K | $226 | $4K | — |
| JOHN BRADY LAWSON3 | 11451 LANDON DR NORTHPORT, AL 35475 | AFLAC | $2K | — | $2K | — |
| BRUCE D CAPLES3 | 3519 ACORN AVE TUSCALOOSA, AL 35406 | AFLAC | $1K | — | $1K | — |
| LESLIE T CUMPTAN3 | 4 ABBEY LN ST 500 BOX 358 BIRMINGHAM, AL 35226 | AFLAC | $989 | $32 | $1K | — |
| CHRISTOPHER W GRAHAM3 | 2 CHASE CORPORATE DR STE 460 HOOVER, AL 35473 | AFLAC | $816 | $32 | $848 | — |
| SARAH K CHAMPION3 | 1501 JUNIPER RIDGE LN NORTHPORT, AL 35473 | AFLAC | $603 | — | $603 | — |
| BRUCE D CAPLES3 | 3519 ACORN AVE TUSCALOOSA, AL 35406 | AFLAC | $588 | — | $588 | — |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $525 | — | $525 | — |
| MKF & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIVA, AL 35242 | AFLAC | $420 | — | $420 | — |
| SCOTT J RUSSELL3 | 15275 LOBOLLY CT NORTHPORT, AL 35475 | AFLAC | $304 | — | $304 | — |
| TONI BURTON3 | 14546 OLD GREENSBORO RD TUSCALOOSA, AL 35405 | AFLAC | $254 | — | $254 | — |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $166 | — | $166 | — |
| DREW L WHITTINGTON3 Filed as: DREW L WITTINGTON | PO BOX 658 NORTHPORT, AL 35476 | AFLAC | $76 | — | $76 | — |
| MICHAEL S MASKILL3 | 188 RIDGEWOOD DR DAPHNE, AL 36526 | AFLAC | $70 | — | $70 | — |
| BRIAN HOGGLE3 Filed as: BRIAN E HOGGLE | 4211 CARROLL ST NORTHPORT, AL 35475 | AFLAC | $60 | — | $60 | — |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $53 | — | $53 | — |
| MARK WAYNE SPRADLING3 | 190 BLAYLOCK MOUNTAIN RD COOKEVILLE, TN 38506 | AFLAC | $39 | — | $39 | — |
| GEORGE M VASILOS3 | 5700 WYNDEMERE LN STONE MOUNTAIN, GA 30087 | AFLAC | $38 | — | $38 | — |
| CATHRINE L HALL3 | 76 OWENS AVE CENTREVILLE, AL 35042 | AFLAC | $38 | — | $38 | — |
| SANDRA W HUGHES3 | 1901 BUCHANAN CREEK RD PULASKI, TN 38478 | AFLAC | $37 | — | $37 | — |
| MICHAEL JEFFERY FOLWER3 | 1859 REX LAKE RD LEEDS, AL 35094 | AFLAC | $24 | — | $24 | — |
| JOHN TODD LEE3 | 322 FARMFOUSE RD ELLERSLIE, GA 31807 | AFLAC | $23 | — | $23 | — |
| CHRISTY TOOLEY3 Filed as: CHRISTY LEIGH TOLLEY | 7310 NORTH LAKE DR STE B COLUMBUS, GA 31909 | AFLAC | $21 | — | $21 | — |
| PETE CANARELA3 | 15275 LOBLOLLY CT FAIRHOPE, AL 36532 | AFLAC | $18 | — | $18 | — |
| RITA S RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $15 | — | $15 | — |
| BRIAN E HICKS3 | 2739 AMERICUS DR COLUMBUS, GA 31909 | AFLAC | $15 | — | $15 | — |
| MATHIS BENEFIT SERVICES LLC3 | 7310 NORTH LAKE DR STE 124 COLUMBUS, GA 31909 | AFLAC | $13 | — | $13 | — |
| THE HORTON GROUP3 Filed as: MEGHAN HORTON BOWEN | 431 PARKERSONS WAY AUBURN, AL 36832 | AFLAC | $13 | — | $13 | — |
| DARRELL V BLANCHARD3 | 11401 CLEAR CREEK DR PENSACOLA, FL 32514 | AFLAC | $12 | — | $12 | — |
| PAUL A LEE3 | PO BOX 1173 KENNESAW, GA 30156 | AFLAC | $12 | — | $12 | — |
| SUPLEMENTAL SPECIALISTS INC3 | PO BOX 1173 BLAIRSVILLE, GA 30514 | AFLAC | $12 | — | $12 | — |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, AL 30156 | AFLAC | $10 | — | $10 | — |
| STAINS A SHERLIN3 | 773 TOWNE LAKE DR MONTOGOMERY, AL 36117 | AFLAC | $10 | — | $10 | — |
| JOE C CHAMPION3 | 3600 WATERMELON RD SUITE 206 NORTHPORT, AL 35476 | AFLAC | $8 | — | $8 | — |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $7 | — | $7 | — |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 BIRMINGHAM, AL 35243 | AFLAC | $5 | — | $5 | — |
| JOHN E CARTER III3 | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $4 | — | $4 | — |
| MICHEAEL FOWLER3 | 2204 EXECUTIVE PARK DR OPELIKA, AL 36801 | AFLAC | $4 | — | $4 | — |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | — |
| ALAN W MARTIN3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | — |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | — |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | — |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | — |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 509 | $3.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 509 | $3.1M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 509 | $3.1M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 282 | $131K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 282 | $68K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 509 | $3.1M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 509 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.