| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A AVERY3 Filed as: JOSEPH AVERY | 1400 COBB LN ENTERPRISE, AL 363309005 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.39% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | 3800 COLONNADE PKWY, STE 240 BIRMINGHAM, AL 352433370 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.73% |
| JOSEPH CLAY WALDEN3 Filed as: JOSEPH WALDEN | 33485 ALDER CIR SPANISH FORT, AL 365279087 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.67% |
| BRADFORD DILLION3 | 3800 COLONNADE PKWY, STE 240 BIRMINGHAM, AL 352433370 | METROPOLITAN LIFE INSURANCE COMPANY | $643 | $0 | $643 | 0.93% |
| NEW ENGLAND EMPLOYEE BENEFITS CO7 Filed as: METLIFE FINANCIAL/METLIFE SECURITIE | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 100366797 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $498 | $498 | 0.72% |
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 361240518 | METROPOLITAN LIFE INSURANCE COMPANY | -$671 | -$64 | -$735 | -1.06% |
| BENJAMIN D JOHNSON3 | 9526 BEAR CREEK RD STERRETT, AL 35147 | AFLAC | $6K | $703 | $7K | 11.47% |
| CRISTAL ANN FOWLER3 | 5210 BROKEN BOW LN BIRMINGHAN, AL 35242 | AFLAC | $5K | $619 | $6K | 10.25% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES INC. | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $2K | $298 | $2K | 3.95% |
| LEE BUSINESS SOLUTIONS INC3 Filed as: LEE BUSINESS SOLUTIONS INC. | 6918 GOLDSTRUM WAY KATY, TX 77493 | AFLAC | $2K | $0 | $2K | 2.91% |
| LANZA & ASSOCIATES LLC0 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35243 | AFLAC | $824 | $75 | $899 | 1.51% |
| MARY LORAINE HOBSON3 | 18285 MEDDERS RD VANCE, AL 35490 | AFLAC | $439 | $372 | $811 | 1.36% |
| CHRISTOPHER LEE INSURANCE AGENCY3 Filed as: CHRISTOPHER LEE INS AGENGY LLC | 6918 GOLDSTRUM WAY KATY, TX 77493 | AFLAC | $359 | $8 | $367 | 0.62% |
| CHRISTOPHER W GRAHAM3 | 2 CHASE CORPORATE DR STE 140 HOOVER, AL 352442892 | AFLAC | $22 | $0 | $22 | 0.04% |
| LEE BUSINESS SOLUTIONS INC3 Filed as: LEE BUSINESS SOLUTIONS INC. | 4670 BROOKSHIRE LN BESSEMER, AL 35022 | AFLAC | $20 | $0 | $20 | 0.03% |
| CHRISTOPHER GRAHAM3 | 1 CHASE CORPORATE DR STE 400 HOOVER, AL 352442892 | AFLAC | $4 | $0 | $4 | 0.01% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | 3800 COLONNADE PKWY, STE 240 BIRMINGHAM, AL 352433370 | VISION SERVICE PLAN | $1K | — | $1K | 3.88% |
| JOSEPH A AVERY3 Filed as: JOSEPH ASHLEY AVERY | 1400 COBB LN ENTERPRISE, AL 363309005 | VISION SERVICE PLAN | $1K | — | $1K | 3.88% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 365279087 | VISION SERVICE PLAN | $313 | — | $313 | 0.97% |
| BRADFORD DILLION3 | 3800 COLONNADE PKWY, STE 240 BIRMINGHAM, AL 352433370 | VISION SERVICE PLAN | $313 | — | $313 | 0.97% |
| BENJAMIN D JOHNSON3 | 9526 BEAR CREEK RD STERRETT, AL 35147 | AFLAC | $648 | $192 | $840 | 8.53% |
| CRISTAL ANN FOWLER3 | 5210 BROKEN BOW LN BIRMINGHAM, AL 35242 | AFLAC | $458 | $172 | $630 | 6.40% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES INC. | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $221 | $85 | $306 | 3.11% |
| MARY LORAINE HOBSON3 | 18285 MEDDERS RD VANCE, AL 35490 | AFLAC | $95 | $121 | $216 | 2.19% |
| LANZA & ASSOCIATES LLC0 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $191 | $24 | $215 | 2.18% |
| LEE BUSINESS SOLUTIONS INC3 Filed as: LEE BUSINESS SOLUTIONS INC. | 6918 GOLDSTRUM WAY KATY, TX 77493 | AFLAC | $52 | $0 | $52 | 0.53% |
| CHRISTOPHER LEE INSURANCE AGENCY3 Filed as: CHRISTOPHER LEE INS AGENGY LLC | 6918 GOLDSTRUM WAY KATY, TX 77493 | AFLAC | $7 | $0 | $7 | 0.07% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP, LLC | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 7.02% |
| ENTERPRISE GENERAL INSURANCE AGENCY3 | 4135 NORTH FRONT STREET HARRISBURG, PA 17112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 5.26% |
| MICHAEL G. HICKS3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 1.75% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 1.75% |
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 | 327 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 497 | $1.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 558 | $108K |
| Vision | VISION SERVICE PLAN | 315 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 515 | $69K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 515 | $69K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 515 | $69K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 497 | $1.9M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 515 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.