| 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 | $24K | — | $24K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 3.31% |
| PALOMAR INSURANCE CORPORATION3 | P.O. BOX 11128 MONTGOMERY, AL 361110128 | VISION SERVICE PLAN | $9K | — | $9K | 10.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.79% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 14.53% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 2.80% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS - ALLEN & HALL INC | STE 200 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 22.46% |
| SWETT AND CRAWFORD3 Filed as: SWETT & CRAWFORD GROUP INC. | 3350 RIVERWOOD PKWY #1000 ATLANTA, GA 30339 | COMBINED INSURANCE | $11K | — | $11K | 34.53% |
| GREGORY GRYSKA-SWEET & CRAWFORD3 Filed as: GREGORY GRYSKA - SWETT & CRAWFORD | GROUP INC. 3350 RIVERWOOD PKWY #100 ATLANTA, GA 30339 | COMBINED INSURANCE | $9K | — | $9K | 27.09% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN, INC. | 950 EAST PACES FERRY RD, NE #2000 ATLANTA, GA 30326 | COMBINED INSURANCE | $7K | — | $7K | 23.63% |
| JOSEPH N HARRIS3 | 1353 MCCOY STREET BIRMINGHAM, AL 35210 | AFLAC | $848 | — | $848 | 4.19% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $465 | — | $465 | 2.30% |
| C DANIEL BORLAND3 | 10471 PAUSCH RD LEESBURG, OH 45135 | AFLAC | $427 | — | $427 | 2.11% |
| GARY FRANKLIN3 | P O BOX 36 LEEDS, AL 35094 | AFLAC | $150 | — | $150 | 0.74% |
| BRIAN G MANN3 | 76 RIVER COVE DR ALEXANDER CITY, AL 35010 | AFLAC | $99 | — | $99 | 0.49% |
| RONALD TERRY GILMORE3 | 8515 LANEWOOD CIR LEEDS, AL 35094 | AFLAC | $87 | — | $87 | 0.43% |
| JAMES L STEADMAN3 | 177 KREEK KNOLL LINCOLN, AL 35096 | AFLAC | $83 | — | $83 | 0.41% |
| REID ALFORD3 Filed as: REID W ALFORD | 4505 PINE TREE CIR STE 201 BIRMINGHAM, AL 35243 | AFLAC | $68 | — | $68 | 0.34% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $63 | — | $63 | 0.31% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $43 | — | $43 | 0.21% |
| BRENDA WALTON HALL3 | 71 FOX GLOVE CT CATAULA, GA 31804 | AFLAC | $36 | — | $36 | 0.18% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVE NORTHPORT, AL 35475 | AFLAC | $34 | — | $34 | 0.17% |
| JOHN BRADY LAWSON3 | 11451 LANDON DR NORTHPORT, AL 35475 | AFLAC | $33 | — | $33 | 0.16% |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $33 | — | $33 | 0.16% |
| LANZA & ASSOCIATES LLC3 | 4505 PINE TREE CIR STE 201 VESTAVIA, AL 35243 | AFLAC | $27 | — | $27 | 0.13% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $21 | — | $21 | 0.10% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $19 | — | $19 | 0.09% |
| SHAWNDA L BOYKIN3 | 105 SHIRE CIRCLE ALABASTER, AL 35007 | AFLAC | $19 | — | $19 | 0.09% |
| ERIN C TOMLINSON3 | 109 MOONGLOW TRL HUNTSVILLE, AL 35806 | AFLAC | $18 | — | $18 | 0.09% |
| LINDA D BORLAND3 | 10471 PAUSCH RD LEESBURG, OH 45135 | AFLAC | $17 | — | $17 | 0.08% |
| JEFFRY A WILSON SR3 | P O BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $17 | — | $17 | 0.08% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $17 | — | $17 | 0.08% |
| 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 | 0.07% |
| REID ALFORD3 Filed as: REID W ALFORD | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $14 | — | $14 | 0.07% |
| LANZA & ASSOCIATES LLC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $13 | — | $13 | 0.06% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $12 | — | $12 | 0.06% |
| BRIAN E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $11 | — | $11 | 0.05% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $8 | — | $8 | 0.04% |
| TIMOTHY G BURCH JR3 | 1761 N COMMONS LOOP APT 6304 TUSCALOOSA, AL 35406 | AFLAC | $7 | — | $7 | 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 | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $0 | — | $0 | 0.00% |
| PALOMAR INSURANCE CORPORATION3 | CHRIS JOHNSON 700 MAPLE STREET MONTGOMERY, AL 35210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 29.88% |
| WAYNE RIMMER3 | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | — | $278 | 4.18% |
| 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 | 0.65% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.59% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.35% |
| NATALIE W SMITH3 | 8924 GLEN ROSE WAY MONTGOMERY, AL 36117 | AFLAC | $71 | — | $71 | 5.65% |
| SPURGEON C SMITH3 | 8924 GLEN ROSE WAY MONTGOMERY, AL 36117 | AFLAC | $52 | — | $52 | 4.14% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $32 | — | $32 | 2.55% |
| KEITH BELICH3 | 2740 CENTRAL PARKWAY MONTGOMERY, AL 36106 | AFLAC | $22 | — | $22 | 1.75% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.08% |
| MALCOLM B CALHOUN IV3 Filed as: IV MALCOLM B CALHOUN | 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 | — | $475K |
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 | 693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 734 | 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 | 1,192 | $348K |
| Vision | VISION SERVICE PLAN | 488 | $90K |
| Life insurance(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 716 | $163K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 268 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 321 | $158K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 716 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,192 | — |
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.