| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PALOMAR INSURANCE CORPORATION3 | P.O. BOX 11128 MONTGOMERY, AL 361110128 | VISION SERVICE PLAN | $10K | — | $10K | 10.83% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| 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 | $808 | — | $808 | 3.19% |
| GREGORY GRYSKA-SWEET & CRAWFORD3 Filed as: GREGORY GRYSKA | GROUP INC. 3350 RIVERWOOD PKWY#1000 ATLANTA, GA 30339 | COMBINED INSURANCE | $460 | — | $460 | 1.82% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | 2500 CUMBERLAND PKWY SE ATLANTA, GA 30339 | COMBINED INSURANCE | $435 | — | $435 | 1.72% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS | 2500 CUMBERLAND PKWY SE ATLANTA, GA 30339 | COMBINED INSURANCE | $128 | — | $128 | 0.51% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| JOSEPH N HARRIS3 | 1353 MCCOY ST BIRMINGHAM, AL 35210 | AFLAC | $337 | — | $337 | 2.95% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $271 | — | $271 | 2.37% |
| C DANIEL BORLAND3 | 2551 APACHE DR SIDNEY, OH 45365 | AFLAC | $184 | — | $184 | 1.61% |
| GARY FRANKLIN3 | 8135 PARKWAY DR LEEDS, AL 35094 | AFLAC | $162 | — | $162 | 1.42% |
| BRIAN G MANN3 | 76 RIVER COVE DR ALEXANDER CITY, AL 35010 | AFLAC | $89 | — | $89 | 0.78% |
| REID ALFORD3 | 2 CHASE CORPORATE DR STE 460 HOOVER, AL 35244 | AFLAC | $88 | — | $88 | 0.77% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $57 | — | $57 | 0.50% |
| RONALD TERRY GILMORE3 | 8515 LANEWOOD CIR LEEDS, AL 35094 | AFLAC | $51 | — | $51 | 0.45% |
| TIMOTHY BURCH JR3 | 13830 MONROE AVE NORTHPORT, AL 25475 | AFLAC | $44 | — | $44 | 0.38% |
| JAMES L STEADMAN3 | 177 KREEK KNL LINCOLN, AL 35096 | AFLAC | $44 | — | $44 | 0.38% |
| JOHN BRADY LAWSON3 Filed as: JOHN LAWSON | 11451 LANDON DR NORTHPORT, AL 35475 | AFLAC | $36 | — | $36 | 0.31% |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $36 | — | $36 | 0.31% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $22 | — | $22 | 0.19% |
| ERIN C TOMLINSON3 | 278 DRURY LN ALBERTVILLE, AL 35950 | AFLAC | $19 | — | $19 | 0.17% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $18 | — | $18 | 0.16% |
| STEPHAN C LANZA JR3 | 2100 RIVER HAVEN DR STE 230 HOVER, AL 35244 | AFLAC | $17 | — | $17 | 0.15% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $16 | — | $16 | 0.14% |
| DEREK R MANN3 | 155 LEE ROAD 2213 SALEM, AL 36874 | AFLAC | $11 | — | $11 | 0.10% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $9 | — | $9 | 0.08% |
| LOUIS CULLEN SMITH3 | 3504 GREENWOOD DR HERMITAGE, TN 37076 | AFLAC | $9 | — | $9 | 0.08% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $8 | — | $8 | 0.07% |
| LANZA & ASSOCIATES LLC3 Filed as: LANZA & ASSOCIATES LLS | 2100 RIVER HAVEN DR STE 230 HOVER, AL 35244 | AFLAC | $3 | — | $3 | 0.03% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.02% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.01% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 1543 TEDDINGTONE ST DELAND, FL 32720 | AFLAC | $1 | — | $1 | 0.01% |
| 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 | $180 | — | $180 | 4.71% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.55% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.34% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.29% |
| PALOMAR INSURANCE CORPORATION3 | CHRIS JOHNSON 700 MAPLE STREET MONTGOMERY, AL 35210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $122 | — | $122 | 3.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD ALABAMA EIN 63-0103830 NONE | Claims processing Service code 12 | — | $435K |
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 | 753 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 755 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,064 | $323K |
| Vision | VISION SERVICE PLAN | 479 | $89K |
| Life insurance(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 701 | $119K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 252 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 306 | $37K |
| Other(5 contracts, 5 carriers) | AFLAC | 701 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,064 | — |
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.