| 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 | $19K | — | $19K | 13.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, WA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.10% |
| PALOMAR INSURANCE CORPORATION3 | P.O. BOX 11128 MONTGOMERY, AL 361110128 | VISION SERVICE PLAN | $8K | — | $8K | 10.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 8.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $247 | — | $247 | 0.36% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 13.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $766 | — | $766 | 1.11% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS- ALLEN & HALL INC | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $328 | $7K | 15.75% |
| JOSEPH N HARRIS3 | 1353 MCCOY STREET BIRMINGHAM, AL 35210 | AFLAC | $1K | — | $1K | 4.22% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $567 | — | $567 | 2.29% |
| C DANIEL BORLAND3 | 10471 PAUSCH RD LEESBURG, OH 45135 | AFLAC | $466 | — | $466 | 1.88% |
| BRIAN G MANN3 | 76 RIVER COVE RD ALEXANDER CITY, AL 35010 | AFLAC | $153 | — | $153 | 0.62% |
| GARY FRANKLIN3 | P O BOX 36 LEEDS, AL 35094 | AFLAC | $150 | — | $150 | 0.60% |
| LARRY E SHARP3 | 1307 BIG COVE ROAD SE HUNTSVILLE, AL 35801 | AFLAC | $109 | — | $109 | 0.44% |
| JAMES L STEADMAN3 | 177 KREEK KNOLL LINCOLN, AL 35096 | AFLAC | $86 | — | $86 | 0.35% |
| REID ALFORD3 Filed as: REID W ALFORD | 4505 PINE TREE CIR STE 201 BIRMINGHAM, AL 35236 | AFLAC | $81 | — | $81 | 0.33% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $63 | — | $63 | 0.25% |
| RONALD TERRY GILMORE3 | 8515 LANEWOOD CIRCLE LEEDS, AL 35094 | AFLAC | $52 | — | $52 | 0.21% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER ROAD IRMO, SC 29063 | AFLAC | $43 | — | $43 | 0.17% |
| TIMOTHY G BURCH JR3 | 1800 MCFARLAND BLVD N STE 300 TUSCALOOSA, AL 35406 | AFLAC | $41 | — | $41 | 0.17% |
| LANZA & ASSOCIATES LLC3 | 4505 PINE TREE CIR SUITE 201 VESTAVIA, AL 35243 | AFLAC | $40 | — | $40 | 0.16% |
| ERIN C TOMLINSON3 | 109 MOONGLOW TRL SUITE A9 HUNTSVILLE, AL 35806 | AFLAC | $39 | — | $39 | 0.16% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $39 | — | $39 | 0.16% |
| JEFFRY A WILSON SR3 | P O BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $37 | — | $37 | 0.15% |
| RONALD TERRY GILMORE3 | 8515 LANEWOOD CIRCLE LEEDS, AL 35094 | AFLAC | $37 | — | $37 | 0.15% |
| SHAWINDA L BOYKIN3 | 105 SHIRE CIRLCE ALABASTER, AL 35007 | AFLAC | $36 | — | $36 | 0.15% |
| BRENDA WALTON HALL3 | 71 FOX GLOVE CT CATAULA, GA 31804 | AFLAC | $36 | — | $36 | 0.15% |
| RANDY PRESCOTT3 | 3105 28TH STREET NORTHPORT, AL 35476 | AFLAC | $33 | — | $33 | 0.13% |
| DEREK R MANN3 | 5295 RIVERCHASE DR APT 416 SALEM, AL 36867 | AFLAC | $27 | — | $27 | 0.11% |
| CULLEN SMITH & ASSOCIATES INC3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $22 | — | $22 | 0.09% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $21 | — | $21 | 0.08% |
| JOHN BRADY LAWSON3 | 921 ILA MAE DRIVE NORTHPORT, AL 35473 | AFLAC | $19 | — | $19 | 0.08% |
| LINDA D BORLAND3 | 10471 PAUSCH ROAD LEESBURG, OH 45135 | AFLAC | $17 | — | $17 | 0.07% |
| JOHN W AMOS3 | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $15 | — | $15 | 0.06% |
| JOHN BRADY LAWSON3 | 11451 LANDON DR NORTH PORT, AL 35475 | AFLAC | $14 | — | $14 | 0.06% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, VA 35631 | AFLAC | $11 | — | $11 | 0.04% |
| ERIN C TOMLINSON3 | 9694 MADISON BLVD STE A9 MADISON, AL 35758 | AFLAC | $8 | — | $8 | 0.03% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $4 | — | $4 | 0.02% |
| GRACE P BALLARD3 | 301 39TH AVENUE NE BIRMINGHAM, AL 35215 | AFLAC | $3 | — | $3 | 0.01% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $3 | — | $3 | 0.01% |
| A ED GOODWIN JR3 | 520 DIXON LANE KODAK, TN 37764 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $1 | — | $1 | 0.00% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| WAYNE RIMMER3 | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | — | $424 | 4.25% |
| KELLIE WELLS3 | 9576 COLUMBUS AVE FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.62% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES LLC | 3300 SHIPLEY ST LADSON, SC 29456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.62% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.35% |
| NATALIE W SMITH3 | 8924 GLEN ROSE WAY MONTGOMERY, AL 36117 | AFLAC | $84 | — | $84 | 5.45% |
| SPURGEON C SMITH3 | 8924 GLEN ROSE WAY MONTGOMERY, AL 36117 | AFLAC | $62 | — | $62 | 4.03% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $39 | — | $39 | 2.53% |
| KEITH BELICH3 | 2740 CENTRAL PARKWAY MONTGOMERY, AL 36106 | AFLAC | $27 | — | $27 | 1.75% |
| MURFEE MEADOWS INC3 | 120 OFFICE PARK DRIVE SUITE 100 BIRMINGHAM, AL 35223 | AFLAC | $6 | — | $6 | 0.39% |
| C DANIEL BORLAND3 | 10471 PAUSCH ROAD LEESBURG, OH 45135 | AFLAC | $1 | — | $1 | 0.06% |
| LINDA D BORLAND3 | 10471 PAUSCH RD LEESBURG, OH 45135 | AFLAC | $1 | — | $1 | 0.06% |
| MALCOLM B CALHOUN IV3 | 4155 LOMAC ST STE A MONTGOMERY, AL 36106 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 12.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 NONE | Claims processing Service code 12 | — | $419K |
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 | 701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 22 | $25K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,178 | $323K |
| Vision | VISION SERVICE PLAN | 489 | $80K |
| Life insurance(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 664 | $148K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 248 | $94K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 298 | $136K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 664 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,178 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.