| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $5K | $2K | $7K | 20.57% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| SWEET & CRAWFORD GROUP INC.3 | 3350 RIVERWOOD PKWY #1000 ATLANTA, GA 30339 | COMBINED INSURANCE | $848 | — | $848 | 3.25% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN, INC. | 950 EAST PACES FERRY RD, NE #2000 ATLANTA, GA 30326 | COMBINED INSURANCE | $456 | — | $456 | 1.75% |
| GREGORY GRYSKA-SWEET & CRAWFORD3 | GROUP INC. 3350 RIVERWOOD PKWY#1000 ATLANTA, GA 30339 | COMBINED INSURANCE | $130 | — | $130 | 0.50% |
| JOSEPH N HARRIS3 | 1353 MCCOY ST BIRMINGHAM, AL 35210 | AFLAC | $694 | — | $694 | 3.89% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $413 | — | $413 | 2.32% |
| C DANIEL BORLAND3 | 260 MARGARET LN WASHINGTON COURT HOUSE, OH 43160 | AFLAC | $383 | — | $383 | 2.15% |
| GARY FRANKLIN3 | PO BOX 36 LEEDS, AL 35094 | AFLAC | $150 | — | $150 | 0.84% |
| BRIAN G MANN3 | 76 RIVER COVE DR ALEXANDER CITY, AL 35010 | AFLAC | $99 | — | $99 | 0.55% |
| REID ALFORD3 Filed as: REID W ALFORD | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $81 | — | $81 | 0.45% |
| RONALD TERRY GILMORE3 | 8515 LANEWOOD CIR LEEDS, AL 35094 | AFLAC | $63 | — | $63 | 0.35% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $63 | — | $63 | 0.35% |
| JAMES L STEADMAN3 | 177 KREEK KNL LINCOLN, AL 35096 | AFLAC | $53 | — | $53 | 0.30% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVE NORTHPORT, AL 35475 | AFLAC | $41 | — | $41 | 0.23% |
| LANZA & ASSOCIATES LLC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $40 | — | $40 | 0.22% |
| JOHN BRADY LAWSON3 | 11451 LANDON DR NORTHPORT, AL 35475 | AFLAC | $33 | — | $33 | 0.18% |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $33 | — | $33 | 0.18% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $32 | — | $32 | 0.18% |
| BRENDA WALTON HALL3 | 71 FOX GLOVE CT CATAULA, GA 31804 | AFLAC | $27 | — | $27 | 0.15% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $21 | — | $21 | 0.12% |
| ERIC C TOMLINSON3 | 278 DRURY LN ALBERTVILLE, AL 35950 | AFLAC | $18 | — | $18 | 0.10% |
| LINDA D BORLAND3 | 260 MARGARET LN WASHINGTON COURT HOUSE, OH 43160 | AFLAC | $17 | — | $17 | 0.10% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $17 | — | $17 | 0.10% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $15 | — | $15 | 0.08% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $12 | — | $12 | 0.07% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $10 | — | $10 | 0.06% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $10 | — | $10 | 0.06% |
| BRIAN E HICKS3 | 1327 JEWELL AVE FRANKLIN, TN 37064 | AFLAC | $9 | — | $9 | 0.05% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $8 | — | $8 | 0.04% |
| 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% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $734 | $3K | 19.29% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $882 | $2K | 15.94% |
| PALOMAR INSURANCE CORPORATION3 | CHRIS JOHNSON 700 MAPLE STREET MONTGOMERY, AL 35210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $437 | — | $437 | 4.39% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| WAYNE RIMMER3 | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | — | $221 | 4.41% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.68% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.66% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.38% |
| NATALIE W SMITH3 | 171 DOGWOOD MDWS WETUMPKA, AL 36093 | AFLAC | $84 | — | $84 | 5.66% |
| SPURGEON C SMITH3 | 171 DOGWOOD MDWS WETUMPKA, AL 36093 | AFLAC | $62 | — | $62 | 4.18% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $37 | — | $37 | 2.49% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DR PIKE ROAD, AL 36064 | AFLAC | $27 | — | $27 | 1.82% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD ALABAMA EIN 63-0103830 NONE | Claims processing Service code 12 | — | $445K |
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 | 782 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 796 | 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 | 1,110 | $338K |
| Vision | VISION SERVICE PLAN | 492 | $88K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 715 | $77K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 277 | $34K |
| Other(6 contracts, 5 carriers) | AFLAC | 715 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,110 | — |
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.