| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 611 POINTE NORTH BLVD ALBANY, GA 317211514 | AMERITAS LIFE INSURANCE CORP | $0 | $2K | $2K | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PLACE HUNTSVILLE, AL 358242300 | AMERITAS LIFE INSURANCE CORP | $880 | — | $880 | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 206 EXCHANGE PLACE HUNTSVILLE, AL 358242300 | AMERITAS LIFE INSURANCE CORP | $440 | — | $440 | 0.83% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 877 E 16TH STREET HOLLAND, MI 49423 | AFLAC | $267 | — | $267 | 6.83% |
| BENEFIT INNOVATIONS LLP3 Filed as: BENEFIT INNOVATIONS LLC | 4920 S OJIBWE POINT NEWAYGO, MI 49337 | AFLAC | $82 | — | $82 | 2.10% |
| ERIC J CONDRON3 | 11358 WILD POND DR SE ROCKFORD, MI 49341 | AFLAC | $42 | — | $42 | 1.07% |
| ERIN GERKE3 | 834 LAKEVIEW DR LAKE ODESSA, MI 48849 | AFLAC | $26 | $4 | $30 | 0.77% |
| EOWALTER3 LLC3 | PO BOX 150199 GRAND RAPIDS, MI 49515 | AFLAC | $24 | $4 | $28 | 0.72% |
| JEREMY D SAMPSEL3 | 3030 S 9TH ST STE 2K KALAMAZOO, MI 49009 | AFLAC | $23 | — | $23 | 0.59% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $11 | — | $11 | 0.28% |
| ROLAND M CONSTANT JR3 | 3047 144TH AVENUE DORR, MI 49323 | AFLAC | $10 | — | $10 | 0.26% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $3 | — | $3 | 0.08% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 602 CONCORD, MI 49421 | AFLAC | $3 | — | $3 | 0.08% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $1 | — | $1 | 0.03% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $1 | — | $1 | 0.03% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 2301 LUCIEN WAY STE 150 MAITLAND, FL 32751 | AFLAC | $1 | — | $1 | 0.03% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.03% |
| LARRY E SHARP3 Filed as: LARRY SHARP | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $506 | — | $506 | 17.77% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES JOBE | 1501 OLD MONROVIA RD NW APT 13001 HUNTSVILLE, AL 35806 | AFLAC | $107 | — | $107 | 3.76% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $84 | — | $84 | 2.95% |
| PERRY L CALVERT3 Filed as: PERRY CALVERT | PO BOX 4086 HUNTSVILLE, AL 35815 | AFLAC | $48 | — | $48 | 1.69% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 13163 BUCKTHORN CT MOBILE, AL 36608 | AFLAC | $25 | — | $25 | 0.88% |
| DENNIS J SMITH3 Filed as: DENNIS SMITH | 1912 MORNINGSIDE DT NW HARTSELLE, AL 35640 | AFLAC | $25 | — | $25 | 0.88% |
| ROBERTA WILSON3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $22 | — | $22 | 0.77% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $18 | — | $18 | 0.63% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R & L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $12 | — | $12 | 0.42% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.04% |
| BRIAN HICKS3 | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 145 | $903K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 537 | $229K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 145 | $903K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 145 | $910K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.