| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN BRADY LAWSON3 | 11451 LANDON DR NORTHPORT, AL 35473 | AFLAC | $4K | $74 | $4K | 5.97% |
| BRUCE D CAPLES3 | 3519 ACORN AVE TUSCALOOSA, AL 35406 | AFLAC | $3K | — | $3K | 3.80% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVE NORTHPORT, AL 35475 | AFLAC | $995 | — | $995 | 1.36% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $808 | — | $808 | 1.11% |
| SARAH K CHAMPION3 | 1501 JUNIPER RIDGE LN NORTHPORT, AL 35473 | AFLAC | $559 | — | $559 | 0.77% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $532 | — | $532 | 0.73% |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $503 | $15 | $518 | 0.71% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $499 | — | $499 | 0.68% |
| CHRISTOPHER W GRAHAM3 | 2 CHASE CORPORATE DR STE 140 HOOVER, AL 35244 | AFLAC | $357 | $15 | $372 | 0.51% |
| CATHRINE L HALL3 | 76 OWENS AVE CENTREVILLE, AL 35042 | AFLAC | $107 | — | $107 | 0.15% |
| DREW L WHITTINGTON3 | PO BOX 658 NORTHPORT, AL 35476 | AFLAC | $105 | — | $105 | 0.14% |
| MARK WAYNE SPRADLING3 | 190 BLAYLOCK MOUNTAIN RD COOKEVILLE, TN 38508 | AFLAC | $66 | — | $66 | 0.09% |
| BRIAN HOGGLE3 Filed as: BRIAN E HOGGLE | 912 JENNIFER DR E TUSCALOOSA, AL 35404 | AFLAC | $60 | — | $60 | 0.08% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $53 | — | $53 | 0.07% |
| GEORGE M VASILOS3 | 5700 WYNDEMERE LN STONE MOUNTAIN, GA 30087 | AFLAC | $38 | — | $38 | 0.05% |
| SANDRA W HUGHES3 | 1901 BUCHANAN CREEK RD PULASKI, TN 38478 | AFLAC | $37 | — | $37 | 0.05% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $36 | — | $36 | 0.05% |
| SANDRA C MATHIS3 | 7310 NORTH LAKE DR STE B COLUMBUS, GA 31909 | AFLAC | $26 | — | $26 | 0.04% |
| BRENT LEE EDENFIELD3 | 9249 GA HIGHWAY 315 CATAULA, GA 31804 | AFLAC | $26 | — | $26 | 0.04% |
| BRIAN E HICKS3 | 1327 JEWELL AVE FRANKLIN, TN 37064 | AFLAC | $25 | — | $25 | 0.03% |
| RITA S RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $15 | — | $15 | 0.02% |
| JEFFRY A WILSON SR3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $15 | — | $15 | 0.02% |
| PAUL A LEE3 | PO BOX 248 KENNESAW, GA 30156 | AFLAC | $12 | — | $12 | 0.02% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $12 | — | $12 | 0.02% |
| DOUGLAS STEVEN FRANK3 | 2607 ENCINA IRVING, TX 75038 | AFLAC | $11 | — | $11 | 0.02% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $10 | — | $10 | 0.01% |
| JOE C CHAMPION3 | 3600 WATERMELON RD SUITE 206 NORTHPORT, AL 35476 | AFLAC | $8 | — | $8 | 0.01% |
| JOHN E CARTER III3 | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $8 | — | $8 | 0.01% |
| MICHAEL FOWLER3 Filed as: MICHAEL FLOWER | 2204 EXECUTIVE PARK DR OPELIKA, AL 36801 | AFLAC | $8 | — | $8 | 0.01% |
| DARRELL V BLANCHARD3 | 1765 E NINE MILE RD STE 1#255 PENSACOLA, FL 32514 | AFLAC | $8 | — | $8 | 0.01% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $7 | — | $7 | 0.01% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 BIRMINGHAM, AL 35243 | AFLAC | $5 | — | $5 | 0.01% |
| DARREK ENTERPRISES LLC3 | 1765 E NINE MILE RD STE 1#255 PENSACOLA, FL 32514 | AFLAC | $4 | — | $4 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8850 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.00% |
| ALAN W MARTIN3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | 0.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $124 | $10K | 15.18% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $124 | $8K | 15.22% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $124 | $8K | 15.24% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $124 | $5K | 15.35% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DR STE 200 MOUNTAIN BRK, AL 352232423 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 484 | $2.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 484 | $2.7M |
| Vision | VISION SERVICE PLAN | 174 | $32K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 252 | $87K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 253 | $55K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 484 | $2.7M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 484 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.