| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN BRADY LAWSON3 Filed as: JOHN LAWSON | 921 ILA MAE DRIVE NORTHPORT, AL 35473 | AFLAC | $8K | $45 | $8K | 11.18% |
| SUSAN CAPLES3 | 3519 ACORN AVE TUSCALOOSA, AL 35408 | AFLAC | $5K | $24 | $5K | 7.48% |
| TIMOTHY BURCH JR3 | 1800 MCFARLAND BLVD N STE 330 TUSCALOOSA, AL 35408 | AFLAC | $2K | $14 | $2K | 3.00% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIR STE 201 BIRMINGHAM, AL 35243 | AFLAC | $1K | $14 | $1K | 2.12% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $1K | $0 | $1K | 1.54% |
| SARAH CHAMPION3 | 505 ENERGY CENTER BLVD SUITE 601 NORTHPORT, AL 35475 | AFLAC | $743 | $0 | $743 | 1.07% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $700 | $0 | $700 | 1.01% |
| DREW L WHITTINGTON3 Filed as: DREW WHITTINGTON | 3835 WATERMELON RD STE D NORTHPORT, AL 35473 | AFLAC | $259 | $0 | $259 | 0.37% |
| CATHRINE L HALL3 Filed as: CATHRINE HALL | 992 WRECKLESS RD CENTREVILLE, AL 35042 | AFLAC | $253 | $0 | $253 | 0.36% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $80 | $0 | $80 | 0.12% |
| BRIAN HOGGLE3 Filed as: BRIAN E HOGGLE | 912 JENNIFER DR E TUSCALOOSA, AL 35404 | AFLAC | $60 | $0 | $60 | 0.09% |
| GEORGE M VASILOS3 Filed as: GEORGE VASILOS | 5700 WYNDEMERE LN STONE MOUNTAIN, GA 30087 | AFLAC | $38 | $0 | $38 | 0.05% |
| PAUL LEE3 | PO BOX 248 KENNESAW, GA 30156 | AFLAC | $16 | $0 | $16 | 0.02% |
| RITA S RUSSELL3 Filed as: RITA RUSSELL | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $15 | $0 | $15 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $12 | $0 | $12 | 0.02% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $10 | $0 | $10 | 0.01% |
| BRIAN HICKS3 | 188 FRONT STREET STC 116 39 FRANKLIN, TN 36117 | AFLAC | $7 | $0 | $7 | 0.01% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $5 | $1 | $6 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 1192 PEYTON DR NW KENNESAW, GA 30152 | AFLAC | $2 | $0 | $2 | 0.00% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $0 | $0 | $0 | 0.00% |
| JOHN AMOS3 | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $0 | $0 | $0 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $0 | $0 | $0 | 0.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN AND HALL INC | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $913 | $7K | 17.11% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN AND HALL INC | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $733 | $6K | 17.11% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN AND HALL INC | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $627 | $6K | 16.82% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN AND HALL INC | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $644 | $5K | 17.15% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE STE 200 MOUNTAIN BRK, AL 352232423 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| ASSUREX3 Filed as: ASSUREX GLOBAL CORP | 175 S 3RD ST STE 800 COLUMBUS, OH 432155194 | VISION SERVICE PLAN | $595 | $0 | $595 | 2.50% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 176 | $1.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 176 | $1.5M |
| Vision | VISION SERVICE PLAN | 144 | $24K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $35K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 176 | $1.5M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 204 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
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.