| 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 | $37K | — | $37K | 15.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 10.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| PALOMAR INSURANCE CORPORATION3 | P.O. BOX 240849 MONTGOMERY, AL 36124 | VISION SERVICE PLAN | $9K | — | $9K | 9.98% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| GREGORY GRYSKA-SWEET & CRAWFORD3 Filed as: GREGORY GRYSKA | GROUP INC. 3350 RIVERWOOD PKWY#1000 ATLANTA, GA 30339 | COMBINED INSURANCE | $2K | — | $2K | 7.59% |
| SWEET & CRAWFORD GROUP INC.3 Filed as: SWEET & CRAWFORD GROUP INC | 3350 RIVERWOOD PKWY #1000 ATLANTA, GA 30339 | COMBINED INSURANCE | $836 | — | $836 | 3.20% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS | 2500 CUMBERLAND PKWY SE0 ATLANTA, GA 30339 | COMBINED INSURANCE | $710 | — | $710 | 2.71% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | 2500 CUMBERLAND PKWY SE ATLANTA, GA 30339 | COMBINED INSURANCE | $450 | — | $450 | 1.72% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| JOSEPH N HARRIS3 | 1353 MCCOY ST BIRMINGHAM, AL 35210 | AFLAC | $263 | — | $263 | 4.01% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $152 | — | $152 | 2.32% |
| C DANIEL BORLAND3 | 2551 APACHE DR SIDNEY, OH 45365 | AFLAC | $147 | — | $147 | 2.24% |
| BRIAN G MANN3 | 76 RIVER COVE DR ALEXANDER CITY, AL 35010 | AFLAC | $74 | — | $74 | 1.13% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVE NORTHPORT, AL 35475 | AFLAC | $37 | — | $37 | 0.56% |
| RONALD TERRY GILMORE3 | 8515 LANEWOOD CIR LEEDS, AL 35094 | AFLAC | $37 | — | $37 | 0.56% |
| JOHN BRADY LAWSON3 | 11451 LANDON DR NORTHPORT, AL 35475 | AFLAC | $30 | — | $30 | 0.46% |
| RANDY PRESCOTT3 | 3105 28TH ST NORTHPORT, AL 35476 | AFLAC | $30 | — | $30 | 0.46% |
| JAMES L STEADMAN3 Filed as: JAMES L STEDMAN | 177 KREEK KNL LINCOLIN, AL 35096 | AFLAC | $27 | — | $27 | 0.41% |
| SCOTT J RUSSELL3 Filed as: SCOTT JRUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $19 | — | $19 | 0.29% |
| ERIN C TOMLINSON3 | 278 DRURY LN ALBERTVILLE, AL 35950 | AFLAC | $17 | — | $17 | 0.26% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $15 | — | $15 | 0.23% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $14 | — | $14 | 0.21% |
| DEREK R MANN3 | 155 LEE ROAD 2213 SALEM, AL 36874 | AFLAC | $9 | — | $9 | 0.14% |
| LOUIS CULLEN SMITH3 | 3504 GREENWOOD DR HERMITAGE, TN 37076 | AFLAC | $7 | — | $7 | 0.11% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSILE, GA 31807 | AFLAC | $5 | — | $5 | 0.08% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $4 | — | $4 | 0.06% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE HUDGINGS MOORE | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.03% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.03% |
| JHON W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.02% |
| WAYNE RIMMER3 | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 3.91% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.47% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.29% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.23% |
| PALOMAR INSURANCE CORPORATION3 | CHRIS JOHNSON 700 MAPLE STREET MONTGOMERY, AL 35210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $123 | — | $123 | 3.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD ALABAMA EIN 63-0103830 NONE | Claims processing Service code 12 | — | $444K |
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 | 786 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,021 | $315K |
| Vision | VISION SERVICE PLAN | 445 | $86K |
| Life insurance(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 675 | $512K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $106K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 306 | $244K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 675 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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.