| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | — | UNITED CONCORDIA DENTAL CORPORATION OF ALABAMA | $14K | — | $14K | 9.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $989 | $6K | 14.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $889 | $8K | 16.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $850 | $7K | 16.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $578 | $5K | 16.92% |
| KIMBERLY CONVERSE3 | 211 RAPHAEL ROAD MADISON, AL 35757 | AFLAC | $2K | $79 | $2K | 10.17% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $403 | $20 | $423 | 2.09% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 230 3 EAST GOODMAN ROAD SUITE 100 SOUTHAVEN, MS 38671 | AFLAC | $370 | $21 | $391 | 1.93% |
| CATHIE TATE3 | 110 SUMMER WIND CIRCLE MADISON, AL 35758 | AFLAC | $363 | $7 | $370 | 1.83% |
| JAMES S. WARD3 Filed as: JAMES S WARD | 106 MADISON VILLAS WAY MADISON, AL 35758 | AFLAC | $325 | — | $325 | 1.61% |
| SACHIKO BASDEN3 | 230 BUILDING 3 EAST GOODMAN ROAD SUITE 100 SOUTHAVEN, MS 38671 | AFLAC | $124 | $11 | $135 | 0.67% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PLACE SOUTHEAST GURLEY, AL 35748 | AFLAC | $112 | — | $112 | 0.55% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $86 | — | $86 | 0.43% |
| APRIL P KILLGORE3 | 105 CASTLEVIEW DRIVE MADISON, AL 35756 | AFLAC | $81 | — | $81 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO OF AL INC | PO BOX 6087 HUNTSVILLE, AL 35813 | AFLAC | $46 | — | $46 | 0.23% |
| FELICIA A WEAR3 | 89 CEDARBEND DRIVE FLORENCE, AL 35634 | AFLAC | $30 | — | $30 | 0.15% |
| GARY A SPANRAFT3 | 58 GREENHEDGE CIRCLE DELAWARE, OH 43015 | AFLAC | $27 | — | $27 | 0.13% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $25 | — | $25 | 0.12% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $24 | — | $24 | 0.12% |
| DEANNA IVEY3 Filed as: DEANNA P IVEY | 1807 LINDSAY LANE SOUTH ATHENS, AL 35613 | AFLAC | $17 | — | $17 | 0.08% |
| JASON L WEEKS3 | 204 SOUTH MAIN STREET SUITE 120 KELLER, TX 76248 | AFLAC | $9 | $3 | $12 | 0.06% |
| TIMOTHY R MAHATHEY3 | 143 EQUESTRIAN LANE MADISON, AL 35758 | AFLAC | $10 | — | $10 | 0.05% |
| ELIZABETH J WEEKS3 | 204 SOUTH MAIN SUITE 120 KELLER, TX 76248 | AFLAC | $7 | — | $7 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO. | 206 EXCHANGE PLACE NORTHWEST HUNTSVILLE, AL 35806 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | — | MONUMENTAL LIFE INSURANCE COMPANY | $298 | — | $298 | 4.84% |
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 | 200 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 112 | $1.3M |
| Dental | UNITED CONCORDIA DENTAL CORPORATION OF ALABAMA | 111 | $148K |
| Vision | VISION SERVICE PLAN | 158 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $43K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 112 | $1.3M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 189 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.