| 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 | $32K | — | $32K | 15.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| PALOMAR INSURANCE CORPORATION3 | P.O. BOX 11128 MONTGOMERY, AL 361110128 | VISION SERVICE PLAN | $8K | — | $8K | 9.15% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| SWEET & CRAWFORD GROUP INC.3 | 3350 RIVERWOOD PKWY #1000 ATLANTA, GA 30339 | COMBINED INSURANCE | $818 | — | $818 | 3.25% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN, INC. | 950 EAST PACES FERRY RD, NE #2000 ATLANTA, GA 30326 | COMBINED INSURANCE | $441 | — | $441 | 1.75% |
| GREGORY GRYSKA-SWEET & CRAWFORD3 | GROUP INC. 3350 RIVERWOOD PKWY#1000 ATLANTA, GA 30339 | COMBINED INSURANCE | $126 | — | $126 | 0.50% |
| JOSEPH N HARRIS3 | 1353 MCCOY ST BIRMINGHAM, AL 35210 | AFLAC | $373 | — | $373 | 3.05% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $282 | — | $282 | 2.31% |
| C BORLAND3 | 260 MARGARET LN WASHINGTON COURT HOUSE, OH 43160 | AFLAC | $215 | — | $215 | 1.76% |
| GARY FRANKLIN3 | 8135 PARKWAY DR LEEDS, AL 35094 | AFLAC | $137 | — | $137 | 1.12% |
| BRIAN G MANN3 Filed as: BRIAN MANN | 76 RIVER COVE DR ALEXANDER CITY, AL 35010 | AFLAC | $91 | — | $91 | 0.74% |
| REID ALFORD3 | 2 CHASE CORPORATE DR STE 460 HOOVER, AL 35244 | AFLAC | $75 | — | $75 | 0.61% |
| RONALD GILMORE3 | 8515 LANEWOOD CIR LEEDS, AL 35094 | AFLAC | $58 | — | $58 | 0.47% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $57 | — | $57 | 0.47% |
| JAMES L STEADMAN3 Filed as: JAMES STEADMAN | 177 KREEK KNL LINCOLN, AL 35096 | AFLAC | $49 | — | $49 | 0.40% |
| TIMOTHY BURCH JR3 | 13830 MONROE AVE STE 133 NORTHPORT, AL 35242 | AFLAC | $37 | — | $37 | 0.30% |
| STEPHAN C LANZA JR3 Filed as: STEPHAN LANZA JR | 2100 RIVER HAVEN DR STE 230 HOVER, AL 35244 | AFLAC | $37 | — | $37 | 0.30% |
| JOHN BRADY LAWSON3 Filed as: JOHN LAWSON | 11451 LANDON DR NORTHPORT, AL 35475 | AFLAC | $30 | — | $30 | 0.25% |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $30 | — | $30 | 0.25% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $19 | — | $19 | 0.16% |
| ERIN C TOMLINSON3 Filed as: ERIN TOMLINSON | 278 DRURY LN ALBERTVILLE, AL 35475 | AFLAC | $16 | — | $16 | 0.13% |
| LARRY E SHARP3 Filed as: LARRY SHARP | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $15 | — | $15 | 0.12% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $14 | — | $14 | 0.11% |
| DEREK R MANN3 Filed as: DEREK MANN | 155 LEE ROAD 2213 SALEM, AL 36874 | AFLAC | $9 | — | $9 | 0.07% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $9 | — | $9 | 0.07% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $7 | — | $7 | 0.06% |
| LOUIS CULLEN SMITH3 Filed as: LOUIS SMITH | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $7 | — | $7 | 0.06% |
| LINDA D BORLAND3 | 260 MARGARET LN WASHINGTON COURT HOUSE, OH 43160 | AFLAC | $6 | — | $6 | 0.05% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.02% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.01% |
| PALOMAR INSURANCE CORPORATION3 | CHRIS JOHNSON 700 MAPLE STREET MONTGOMERY, AL 35210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $317 | — | $317 | 4.03% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.01% |
| WAYNE RIMMER3 | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 4.68% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.56% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.33% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.33% |
| SPURGEON C SMITH3 | 171 DOGWOOD MDWS WETUMPKA, AL 36093 | AFLAC | $30 | — | $30 | 8.60% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $9 | — | $9 | 2.58% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DR PIKE ROAD, AL 36064 | AFLAC | $5 | — | $5 | 1.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD ALABAMA EIN 63-0103830 NONE | Claims processing Service code 12 | — | $426K |
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 | 736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 753 | 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 | 999 | $312K |
| Vision | VISION SERVICE PLAN | 464 | $83K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $147K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 298 | $212K |
| Other(6 contracts, 5 carriers) | AFLAC | 669 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 999 | — |
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.