| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | PO BOX 11407 BIRMINGHAM, AL 352460100 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $10 | $5K | 6.60% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL/METLIFE SECURITIE | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 100366797 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.47% |
| JOSEPH A AVERY3 Filed as: JOSEPH AVERY | 1400 COBB LN ENTERPRISE, AL 363309005 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.01% |
| BRADFORD DILLION3 | 2 RIVERCHASE RDG STE 200 BIRMINGHAM, AL 352442892 | METROPOLITAN LIFE INSURANCE COMPANY | $642 | $0 | $642 | 0.92% |
| JOSEPH CLAY WALDEN3 Filed as: JOSEPH WALDEN | 33485 ALDER CIR SPANISH FORT, AL 365279087 | METROPOLITAN LIFE INSURANCE COMPANY | $548 | $0 | $548 | 0.78% |
| ALLIANCE INSURANCE GROUP LLC4 | PO BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | $326 | $128 | $454 | 0.65% |
| BENJAMIN D JOHNSON3 | 9526 BEAR CREEK RD STERRETT, AL 35147 | AFLAC | $7K | $0 | $7K | 18.35% |
| CRISTAL ANN FOWLER3 | 5210 BROKEN BOW LN BIRMINGHAM, AL 35242 | AFLAC | $6K | $2 | $6K | 15.42% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES INC. | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $2K | $0 | $2K | 5.84% |
| LANZA & ASSOCIATES LLC3 | 4505 PINE TREE CIR STE 201 VESTAVIA, AL 35243 | AFLAC | $2K | $0 | $2K | 5.58% |
| MARY LORAINE HOBSON3 | 18285 MEDDERS RD VANCE, AL 35490 | AFLAC | $2K | $1 | $2K | 5.13% |
| LANZA & ASSOCIATES LLC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $796 | $0 | $796 | 2.00% |
| LEE BUSINESS SOLUTIONS INC3 | 4670 BROOKSHIRE LN BESSEMER, AL 35022 | AFLAC | $16 | $0 | $16 | 0.04% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | 2 RIVERCHASE RDG STE 200 HOOVER, AL 352442892 | VISION SERVICE PLAN | $1K | — | $1K | 4.00% |
| JOSEPH A AVERY3 Filed as: JOSEPH AVERY | 1400 COBB LN ENTERPRISE, AL 363309005 | VISION SERVICE PLAN | $1K | — | $1K | 4.00% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 365279087 | VISION SERVICE PLAN | $324 | — | $324 | 1.00% |
| BRADFORD DILLION3 | 3556 KINGSHILL RD MOUNTAIN BROOK, AL 352231471 | VISION SERVICE PLAN | $324 | — | $324 | 1.00% |
| BENJAMIN D JOHNSON3 | 9526 BEAR CREEK RD STERRETT, AL 35147 | AFLAC | $3K | $0 | $3K | 18.32% |
| CRISTAL ANN FOWLER3 | 5210 BROKEN BOW LN BIRMINGHAN, AL 35242 | AFLAC | $2K | $0 | $2K | 12.82% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $943 | $0 | $943 | 5.70% |
| LANZA & ASSOCIATES LLC | 4505 PINE TREE CIR STE 201 VESTAVIA, AL 35243 | AFLAC | $898 | $0 | $898 | 5.43% |
| MARY LORAINE HOBSON3 | 18285 MEDDERS RD VANCE, AL 35490 | AFLAC | $811 | $0 | $811 | 4.90% |
| CRISTAL ANN FOWLER3 | 3157 WOODBRIDGE DR BIRMINGHAM, AL 35242 | AFLAC | $458 | $0 | $458 | 2.77% |
| LANZA & ASSOCIATES LLC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $292 | $0 | $292 | 1.77% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 2.94% |
| ENTERPRISE GENERAL INSURANCE AGENCY3 | 4135 NORTH FRONT STREET HARRISBURG, PA 17112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 2.54% |
| MICHAEL G. HICKS3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 1.02% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12495 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.49% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 361240518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 2.66% |
| ENTERPRISE GENERAL INSURANCE AGENCY3 | 4135 NORTH FRONT STREET HARRISBURG, PA 17112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 2.38% |
| MICHAEL G. HICKS3 | P.O. BOX 240518 MONTGOMERY, AL 361240518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.98% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12495 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.42% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 531 | $1.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 581 | $110K |
| Vision | VISION SERVICE PLAN | 322 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $70K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $70K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $70K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 531 | $1.8M |
| Other(6 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 569 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.