| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $0 | $28K | 14.99% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 9.88% |
| PALOMAR INSURANCE CORPORATION3 | P.O. BOX 11128 MONTGOMERY, AL 361110128 | VISION SERVICE PLAN | $8K | — | $8K | 9.19% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 14.55% |
| SWEET & CRAWFORD GROUP INC.3 | 3350 RIVERWOOD PKWY #1000 ATLANTA, GA 30339 | COMBINED INSURANCE | $1K | — | $1K | 3.25% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN, INC. | 950 EAST PACES FERRY RD, NE #2000 ATLANTA, GA 30326 | COMBINED INSURANCE | $620 | — | $620 | 1.75% |
| GREGORY GRYSKA-SWEET & CRAWFORD3 | GROUP INC. 3350 RIVERWOOD PKWY#1000 ATLANTA, GA 30339 | COMBINED INSURANCE | $177 | — | $177 | 0.50% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 15.00% |
| JOSEPH N HARRIS3 | 1353 MCCOY ST BIRMINGHAM, AL 35210 | AFLAC | $786 | — | $786 | 4.08% |
| C DANIEL BORLAND3 | 10471 PAUSCH RD LEESBURG, OH 45135 | AFLAC | $406 | — | $406 | 2.11% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $221 | — | $221 | 1.15% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $219 | — | $219 | 1.14% |
| GARY FRANKLIN3 | PO BOX 36 LEEDS, AL 35094 | AFLAC | $150 | — | $150 | 0.78% |
| BRIAN G MANN3 | 76 RIVER COVE DR ALEXANDER CITY, AL 35010 | AFLAC | $99 | — | $99 | 0.51% |
| REID ALFORD3 Filed as: REID W ALFORD | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $81 | — | $81 | 0.42% |
| RONALD TERRY GILMORE3 | 8515 LANEWOOD CIR LEEDS, AL 35094 | AFLAC | $65 | — | $65 | 0.34% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $63 | — | $63 | 0.33% |
| JAMES L STEADMAN3 | 177 KREEK KNL LINCOLN, AL 35096 | AFLAC | $56 | — | $56 | 0.29% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $43 | — | $43 | 0.22% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVE NORTHPORT, AL 35475 | AFLAC | $41 | — | $41 | 0.21% |
| LANZA & ASSOCIATES LLC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35475 | AFLAC | $40 | — | $40 | 0.21% |
| BRENDA WALTON HALL3 | 71 FOX GLOVE CT CATAULA, AL 31804 | AFLAC | $36 | — | $36 | 0.19% |
| JOHN BRADY LAWSON3 | 11451 LANDON DR NORTHPORT, AL 35475 | AFLAC | $33 | — | $33 | 0.17% |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $33 | — | $33 | 0.17% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $21 | — | $21 | 0.11% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $19 | — | $19 | 0.10% |
| SHAWNDA L BOYKIN3 | 105 SHIRE CIR ALABASTER, AL 35007 | AFLAC | $19 | — | $19 | 0.10% |
| LINDA D BORLAND3 | 10471 PAUSCH RD LEESBURG, OH 45135 | AFLAC | $17 | — | $17 | 0.09% |
| JEFFRY A WILSON SR3 | P O BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $17 | — | $17 | 0.09% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $17 | — | $17 | 0.09% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $16 | — | $16 | 0.08% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $15 | — | $15 | 0.08% |
| ERIN C TOMLINSON3 | 109 MOONGLOW TRL HUNTSVILLE, AL 35806 | AFLAC | $14 | — | $14 | 0.07% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $11 | — | $11 | 0.06% |
| BRIAN E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $10 | — | $10 | 0.05% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $8 | — | $8 | 0.04% |
| ERIN C TOMLINSON3 | 278 DURRY LN ALBERTVILLE, AL 35950 | AFLAC | $5 | — | $5 | 0.03% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.01% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $0 | — | $0 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 236 HAVERSHAM RD DELTONA, FL 32725 | AFLAC | $0 | — | $0 | 0.00% |
| PALOMAR INSURANCE CORPORATION3 | CHRIS JOHNSON 700 MAPLE STREET MONTGOMERY, AL 35210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $392 | — | $392 | 4.12% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.00% |
| WAYNE RIMMER3 | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | — | $290 | 4.34% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.64% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.57% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.36% |
| NATALIE W SMITH3 | 8924 GLEN ROSE WAY MONTGOMERY, AL 36117 | AFLAC | $84 | — | $84 | 5.66% |
| SPURGEON C SMITH3 | 8924 GLEN ROSE WAY MONTGOMERY, AL 36117 | AFLAC | $62 | — | $62 | 4.18% |
| KEITH BELICH3 | 2740 CENTRAL PARKWAY MONTGOMERY, AL 36106 | AFLAC | $27 | — | $27 | 1.82% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $23 | — | $23 | 1.55% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $14 | — | $14 | 0.94% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.07% |
| MALCOLM B CALHOUN IV3 | 4155 LOMAC ST STE A MONTGOMERY, AL 36106 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 13.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD ALABAMA EIN 63-0103830 NONE | Claims processing Service code 12 | — | $442K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,131 | $343K |
| Vision | VISION SERVICE PLAN | 483 | $90K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 709 | $161K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 253 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 299 | $185K |
| Other(6 contracts, 5 carriers) | AFLAC | 709 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,131 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.