| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN BRADY LAWSON3 Filed as: JOHN LAWSON | 11451 LANDON DR NORTHPORT, AL 35473 | AFLAC | $5K | $249 | $5K | 6.81% |
| SUSAN CAPLES3 | 3519 ACORN AVE TUSCALOOSA, AL 35406 | AFLAC | $3K | — | $3K | 4.28% |
| TIMOTHY BURCH JR3 | 1761 COMMONS NORTH LOOP UNIT 6304 TUSCALOOSA, AL 35406 | AFLAC | $1K | $50 | $1K | 1.60% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $932 | — | $932 | 1.24% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $715 | $50 | $765 | 1.02% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $606 | — | $606 | 0.80% |
| SARAH CHAMPION3 | 1501 JUNIPER RIDGE LN NORTHPORT, AL 35473 | AFLAC | $605 | — | $605 | 0.80% |
| MARK SPRADLING3 | 190 BLAYLOCK MOUNTAIN RD COOKEVILLE, TN 38506 | AFLAC | $246 | — | $246 | 0.33% |
| CHRISTOPHER GRAHAM3 | 4200 MCFARLAND BLVD UNIT 432 NORTHPORT, AL 35476 | AFLAC | $234 | — | $234 | 0.31% |
| DREW L WHITTINGTON3 Filed as: DREW WHITTINGTON | 3835 WATERMELON RD STE D NORTHPORT, AR 35473 | AFLAC | $221 | — | $221 | 0.29% |
| CATHRINE L HALL3 Filed as: CATHRINE HALL | 992 WRECKLESS RD CENTREVILLE, AL 35042 | AFLAC | $186 | — | $186 | 0.25% |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $172 | — | $172 | 0.23% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $72 | — | $72 | 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 RD ELLERSLIE, GA 31807 | AFLAC | $45 | — | $45 | 0.06% |
| GEORGE M VASILOS3 Filed as: GEORGE VASILOS | 5700 WYNDEMERE LN STONE MOUNTAIN, GA 30087 | AFLAC | $38 | — | $38 | 0.05% |
| SANDRA W HUGHES3 Filed as: SANDRA HUGHES | 1901 BUCHANAN CREEK RD PULASKI, TN 38478 | AFLAC | $37 | — | $37 | 0.05% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $27 | — | $27 | 0.04% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $19 | — | $19 | 0.03% |
| PAUL LEE3 | PO BOX 248 KENNESAW, GA 30156 | AFLAC | $16 | — | $16 | 0.02% |
| RITA S RUSSELL3 Filed as: RITA RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $15 | — | $15 | 0.02% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $10 | — | $10 | 0.01% |
| ROBERTA WILSON3 | 709 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AFLAC | $10 | — | $10 | 0.01% |
| DARRK ENTERPRISES LLC3 | 9542 YARROW CIR STE 1 PENSACOLA, FL 32514 | AFLAC | $5 | — | $5 | 0.01% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $3 | — | $3 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1192 PEYTON DR NW KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.00% |
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DR STE 120 BIRMINGHAM, AL 35243 | AFLAC | $2 | — | $2 | 0.00% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.00% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | 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 | $464 | $8K | 15.96% |
| 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 | $371 | $6K | 15.96% |
| 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 DR SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $369 | $6K | 15.96% |
| 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 | $5K | $317 | $6K | 15.91% |
| 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPFINANCIAL PARTNERS, LLC EIN 26-0058143 SERVICE PROVIDER | Other fees Service code 99 | — | $9K |
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 | 184 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 448 | $2.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 448 | $2.0M |
| Vision | VISION SERVICE PLAN | 163 | $26K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $73K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $39K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 448 | $2.0M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 448 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.