| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| JOHN BRADY LAWSON3 | 11451 LANDON DR NORTHPORT, AL 35473 | AFLAC | $4K | $88 | $4K | 5.53% |
| BRUCE D CAPLES3 | 3519 ACORN AVE SUITE 601 TUSCALOOSA, AL 35406 | AFLAC | $3K | — | $3K | 3.65% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVE NORTHPORT, AL 35475 | AFLAC | $930 | — | $930 | 1.34% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $756 | — | $756 | 1.09% |
| SARAH K CHAMPION3 | 1501 JUNIPER RIDGE LN NORTHPORT, AL 35473 | AFLAC | $542 | — | $542 | 0.78% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $482 | — | $482 | 0.69% |
| MKF & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $467 | — | $467 | 0.67% |
| CHRISTOPHER W GRAHAM3 | 2 CHASE CORPORATE DR STE 140 HOOVER, AL 35244 | AFLAC | $319 | $21 | $340 | 0.49% |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $283 | $21 | $304 | 0.44% |
| MICHAEL JEFFERY FOWLER3 | 2 CHASE CORPORATE DR STE 140 HOOVER, AL 35244 | AFLAC | $177 | — | $177 | 0.25% |
| DREW L WHITTINGTON3 | PO BOX 658 NORTHPORT, AL 35476 | AFLAC | $105 | — | $105 | 0.15% |
| CATHRINE L HALL3 | 76 OWENS AVE CENTREVILLE, AL 35042 | AFLAC | $77 | — | $77 | 0.11% |
| MARK WAYNE SPRADLING3 | 190 BLAYLOCK MOUNTAIN RD COOKEVILLE, TN 38506 | AFLAC | $63 | — | $63 | 0.09% |
| BRIAN HOGGLE3 Filed as: BRIAN E HOGGLE | 4214 CARROLL ST NORTHPORT, AL 35475 | AFLAC | $60 | — | $60 | 0.09% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $53 | — | $53 | 0.08% |
| MASKILL ENTERPRISES INC3 | PO BOX 702 POINT CLEAR, AL 36564 | AFLAC | $48 | — | $48 | 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 | $33 | — | $33 | 0.05% |
| BRIAN E HICKS3 | 5073 DONOVAN ST FRANKLIN, TN 37064 | AFLAC | $23 | — | $23 | 0.03% |
| RITA S RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $15 | — | $15 | 0.02% |
| PETE CANARELA3 | 21036A STATE HIGHWAY 181 STE 102B FAIRHOPE, AL 36532 | AFLAC | $15 | — | $15 | 0.02% |
| BEVERLY L ENGLAND3 | PO BOX 253 SARALAND, AL 36571 | AFLAC | $14 | — | $14 | 0.02% |
| DARRELL V BLANCHARD3 | 11401 CLEAR CREEK DR PENSACOLA, FL 32514 | AFLAC | $12 | — | $12 | 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% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $10 | — | $10 | 0.01% |
| SUPPLEMENTAL SPECIALISTS INC3 | PO BOX 1173 BLAIRSVILLE, GA 30514 | AFLAC | $10 | — | $10 | 0.01% |
| JOE C CHAMPION3 | 3600 WATERMELON RD SUITE 206 NORTHPORT, AL 35476 | AFLAC | $8 | — | $8 | 0.01% |
| LISA S TAYLOR3 | 12904 OAK CT WILMER, AL 36587 | 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% |
| TINA C OGLESBY3 | 9535 BRISTOW CT MOBILE, AL 36695 | AFLAC | $4 | — | $4 | 0.01% |
| SARAH Y ZACCARO3 | PO BOX 91531 MOBILE, AL 36691 | AFLAC | $2 | — | $2 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 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 DRIVE SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| 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 | 9.97% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 502 | $2.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 502 | $2.9M |
| Vision | VISION SERVICE PLAN | 183 | $33K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $89K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $58K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 502 | $2.9M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 502 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.