| 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 | $2K | $13K | 18.03% |
| JOHN BRADY LAWSON3 Filed as: JOHN LAWSON | 11451 LANDON DR NORTHPORT, AL 35475 | AFLAC | $3K | $81 | $3K | 4.77% |
| SUSAN CAPLES3 | 3519 ACORN AVE TUSCALOOSA, AL 35406 | AFLAC | $2K | — | $2K | 3.36% |
| TIMOTHY BURCH JR3 | 13830 MONROE AVE NORTHPORT, AL 35475 | AFLAC | $1K | — | $1K | 1.99% |
| SARAH CHAMPION3 | 1501 JUNIPER RIDGE LN NORTHPORT, AL 35473 | AFLAC | $667 | — | $667 | 1.00% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $662 | — | $662 | 1.00% |
| MKF & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $468 | — | $468 | 0.70% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $407 | — | $407 | 0.61% |
| CHRISTOPHER GRAHAM3 | 2 CHASE CORPORATE DR STE 460 HOOVER, AL 35244 | AFLAC | $332 | $19 | $351 | 0.53% |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $189 | — | $189 | 0.28% |
| MICHAEL FOWLER3 | 2 CHASE CORPORATE DR STE 140 HOOVER, AL 35244 | AFLAC | $146 | $19 | $165 | 0.25% |
| LESLIE T CUMPTAN3 Filed as: LESLIE CUMPTAN | 4 ABBEY LN BIRMINGHAM, AL 35226 | AFLAC | $129 | — | $129 | 0.19% |
| DREW L WHITTINGTON3 Filed as: DREW WHITTINGTON | PO BOX 658 NORTHPORT, AL 35476 | AFLAC | $91 | — | $91 | 0.14% |
| MICHAEL MASKILL3 | 188 RIDGEWOOD DR DAPHNE, AL 36526 | AFLAC | $72 | — | $72 | 0.11% |
| MARK SPRADLING3 | 190 BLAYLOCK MOUNTAIN RD COOKEVILLE, TN 38506 | AFLAC | $61 | — | $61 | 0.09% |
| BRIAN HOGGLE3 | 4211 CARROLL ST NORTHPORT, AL 35475 | AFLAC | $60 | — | $60 | 0.09% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $53 | — | $53 | 0.08% |
| CATHRINE L HALL3 Filed as: CATHRINE HALL | 76 OWENS AVE CENTREVILLE, AL 35042 | AFLAC | $46 | — | $46 | 0.07% |
| GEORGE M VASILOS3 Filed as: GEORGE VASILOS | 5700 WYNDEMERE LN STONE MOUNTAIN, GA 30087 | AFLAC | $38 | — | $38 | 0.06% |
| SANDRA W HUGHES3 Filed as: SANDRA HUGHES | 1901 BUCHANAN CREEK RD PULASKI, TN 38478 | AFLAC | $37 | — | $37 | 0.06% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $29 | — | $29 | 0.04% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $19 | — | $19 | 0.03% |
| PETE CANARELA3 | 21036A STATE HIGHWAY 181 STE 102B FAIRHOPE, AL 36532 | AFLAC | $19 | — | $19 | 0.03% |
| RITA S RUSSELL3 Filed as: RITA RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $15 | — | $15 | 0.02% |
| DARRELL V BLANCHARD3 Filed as: DARRELL BLANCHARD | 11401 CLEAR CREEK DR PENSACOLA, FL 32514 | AFLAC | $12 | — | $12 | 0.02% |
| SUPPLEMENTAL SPECIALISTS INC3 | PO BOX 1173 BLAIRSVILLE, GA 30514 | AFLAC | $12 | — | $12 | 0.02% |
| PAUL LEE3 | PO BOX 248 KENNESAW, GA 30156 | AFLAC | $12 | — | $12 | 0.02% |
| CHRISTY TOOLEY3 | 7310 NORTH LAKE DR STE B COLUMBUS, GA 31909 | AFLAC | $11 | — | $11 | 0.02% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $11 | — | $11 | 0.02% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $10 | — | $10 | 0.02% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $7 | — | $7 | 0.01% |
| THE HORTON GROUP3 Filed as: MEGHAN HORTON BOWEN | 8650 MINNIE BROWN RD STE 124 MONTGOMERY, AL 36117 | AFLAC | $7 | — | $7 | 0.01% |
| MATHIS BENEFIT SERVICES LLC3 | 7310 NORTH LAKE DR STE B COLUMBUS, GA 31909 | 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% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DR OPELIKA, AL 36801 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN E CARTER III3 Filed as: JOHN CARTER III | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | 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% |
| LISA TAYLOR3 | 12904 OAK CT WILMER, AL 36587 | AFLAC | $1 | — | $1 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | 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% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 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 | $2K | $11K | 18.06% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.06% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.03% |
| 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 | 10.02% |
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 | 269 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 518 | $3.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 518 | $3.0M |
| Vision | VISION SERVICE PLAN | 190 | $35K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 271 | $96K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $61K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 518 | $3.0M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 518 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.