| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | — | UNITED CONCORDIA INSURANCE COMPANY | $24K | — | $24K | 11.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 15.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | 206 EXCHANGE PLACE NORTHWEST HUNTSVILLE, AL 35806 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | — | MONUMENTAL LIFE INSURANCE COMPANY | $358 | — | $358 | 5.54% |
| KIMBERLY CONVERSE3 | 211 RAPHAEL ROAD MADISON, AL 35757 | AFLAC | $353 | $53 | $406 | 8.20% |
| CATHIE TATE3 | 110 SUMMER WIND CIRCLE MADISON, AL 35758 | AFLAC | $73 | $11 | $84 | 1.70% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $69 | $10 | $79 | 1.60% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $75 | — | $75 | 1.51% |
| JAMES S. WARD3 Filed as: JAMES S WARD | 106 MADISON VILLAS WAY MADISON, AL 35758 | AFLAC | $68 | — | $68 | 1.37% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $46 | — | $46 | 0.93% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $42 | — | $42 | 0.85% |
| APRIL P KILLGORE3 | 417 THOREAU SPRING ROAD MADISON, AL 35758 | AFLAC | $20 | — | $20 | 0.40% |
| SACHIKO BASDEN3 | 230 BUILDING 3 EAST GOODMAN ROAD SUITE 100 SOUTHAVEN, MS 38671 | AFLAC | $19 | — | $19 | 0.38% |
| DEANNA IVEY3 Filed as: DEANNA P IVEY | 1807 LINDSAY LANE SOUTH ATHENS, AL 35613 | AFLAC | $13 | — | $13 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO OF AL INC | PO BOX 6087 HUNTSVILLE, AL 35813 | AFLAC | $12 | — | $12 | 0.24% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $11 | — | $11 | 0.22% |
| FELICIA A WEAR3 | 89 CEDARBEND DRIVE FLORENCE, AL 35634 | AFLAC | $8 | — | $8 | 0.16% |
| GARY A SPANRAFT3 | 58 GREENHEDGE CIRCLE DELAWARE, OH 43015 | AFLAC | $7 | — | $7 | 0.14% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $6 | — | $6 | 0.12% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $5 | — | $5 | 0.10% |
| JASON L WEEKS3 | 204 SOUTH MAIN STREET SUITE 120 KELLER, TX 76248 | AFLAC | $2 | — | $2 | 0.04% |
| TIMOTHY R MAHATHEY3 | 143 EQUESTRIAN LANE MADISON, AL 35758 | AFLAC | $2 | — | $2 | 0.04% |
| ELIZABETH J WEEKS3 | 204 SOUTH MAIN SUITE 120 KELLER, TX 76248 | AFLAC | $2 | — | $2 | 0.04% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | 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 | 140 | $2.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 177 | $204K |
| Vision | VISION SERVICE PLAN | 202 | $26K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $111K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $60K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 140 | $1.9M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 239 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.