| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN BRADY LAWSON3 Filed as: JOHN LAWSON | 11451 LANDON DR NORTHPORT, AL 35473 | AFLAC | $6K | $596 | $6K | 8.13% |
| SUSAN CAPLES3 | 3519 ACORN AVE TUSCALOOSA, AL 35406 | AFLAC | $4K | $250 | $4K | 5.14% |
| TIMOTHY BURCH JR3 | 1761 N COMMONS LOOP APT 6304 TUSCALOOSA, AL 35408 | AFLAC | $2K | $169 | $2K | 2.43% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIR STE 201 BIRMINGHAM, AL 35243 | AFLAC | $940 | $169 | $1K | 1.48% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $1K | — | $1K | 1.34% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIR STE 201 BIRMINGHAM, AL 35243 | AFLAC | $940 | — | $940 | 1.25% |
| SARAH CHAMPION3 | 1501 JUNIPER RIDGE LN SUITE 601 NORTHPORT, AL 35473 | AFLAC | $673 | — | $673 | 0.90% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $663 | — | $663 | 0.88% |
| CATHRINE L HALL3 Filed as: CATHRINE HALL | 992 WRECKLESS RD CENTREVILLE, AL 35042 | AFLAC | $253 | — | $253 | 0.34% |
| DREW L WHITTINGTON3 Filed as: DREW WHITTINTON | 3835 WATERMELON RD STE D NORTHPORT, AR 35473 | AFLAC | $247 | — | $247 | 0.33% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $75 | — | $75 | 0.10% |
| BRIAN HOGGLE3 | 912 JENNIFER DR E TUSCALOOSA, AL 35404 | AFLAC | $60 | — | $60 | 0.08% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $49 | — | $49 | 0.07% |
| GEORGE M VASILOS3 Filed as: GEORGE VASILOS | 5700 WYNDEMERE I.N STONE MOUNTAIN, GA 30087 | AFLAC | $38 | — | $38 | 0.05% |
| SANDRA W HUGHES3 Filed as: SANDRA HUGHES | 1901 BUCHANAN CREEK RD PULASKI, TN 38478 | AFLAC | $34 | — | $34 | 0.05% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $29 | — | $29 | 0.04% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, GA 36117 | AFLAC | $20 | — | $20 | 0.03% |
| PAUL LEE3 | P O BOX 248 KENNESAW, GA 30156 | AFLAC | $16 | — | $16 | 0.02% |
| RITA S RUSSELL3 Filed as: RITA RUSSELL | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $16 | — | $16 | 0.02% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | PO BOX 2517 KENNSAW, GA 30156 | AFLAC | $10 | — | $10 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 1192 PEYTON DR NW KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.00% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN RD STE 150 SUITE 102 MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.00% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| JOH AMOS3 | 10051 VETERANS PAKWY #28 MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37163 | AFLAC | $1 | — | $1 | 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 | $7K | $216 | $7K | 15.47% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $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 | $6K | $173 | $6K | 15.47% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $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 | $6K | $172 | $6K | 15.47% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $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 | $5K | $150 | $5K | 15.48% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $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 | $3K | — | $3K | 10.00% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL CORP | 175 S 3RD ST STE 800 COLUMBUS, OH 432155194 | VISION SERVICE PLAN | $158 | — | $158 | 0.62% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 436 | $1.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 436 | $1.7M |
| Vision | VISION SERVICE PLAN | 153 | $26K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $69K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $37K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 436 | $1.7M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 436 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.