| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $62K | — | $62K | 10.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE STE 200 BIRMINGHAM, AL 352232421 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $19K | $19K | 2.99% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | CANOPY INSURANCE CORP | $34K | — | $34K | 10.00% |
| PR INSURANCE LLC3 | 113 ADRES PLACE DOTHAN, AL 36303 | GUARDIAN LIFE | $6K | — | $6K | 8.68% |
| MICHAEL W BERUBE3 Filed as: MICHAEL WILLIAM BERUBE | PO BOX 9825 CANTON, OH 44711 | GUARDIAN LIFE | $2K | — | $2K | 2.89% |
| ENROLLPAD LLC3 Filed as: ENROLLPAD, LLC | 1300 CHRISTMAS SEAL DRIVE CANTON, OH 44709 | GUARDIAN LIFE | — | $425 | $425 | 0.58% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | CANOPY INSURANCE CORP | $6K | — | $6K | 10.01% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | NATIONAL GUARDIAN LIFE | $4K | — | $4K | 10.01% |
| JO ANN KIRKLAND3 | 436 SOWELL RD DOTHAN, AL 36301 | AFLAC | $2K | $137 | $2K | 5.47% |
| JOHN DORAN SHEPPARD3 | 801 W MAIN ST DOTHAN, AL 36301 | AFLAC | $737 | $27 | $764 | 2.08% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE, ST 500 BOX 358 COLUMBUS, GA 31907 | AFLAC | $599 | — | $599 | 1.63% |
| DANIEL S ADAMS3 | 3857 SCOTT CHURCH RD MARIANNA, FL 32448 | AFLAC | $411 | $32 | $443 | 1.20% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DR OPELIKA, AL 36801 | AFLAC | $237 | — | $237 | 0.64% |
| MICHELLE S OSTBLOOM3 | PO BOX 936 POOLER, GA 31322 | AFLAC | $162 | — | $162 | 0.44% |
| CARYLLE L QUINN3 | 6520 CALLE DE LAGO NAVARRE, FL 32566 | AFLAC | $150 | — | $150 | 0.41% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $149 | — | $149 | 0.40% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $56 | — | $56 | 0.15% |
| LARRY L JENKINS3 Filed as: LARRY JENKINS | 200 N SAINT ANDREWS ST STE 4 DOTHAN, AL 36303 | AFLAC | $49 | $5 | $54 | 0.15% |
| LEO P TISA3 | PO BOX 898 NICEVILLE, FL 32588 | AFLAC | $49 | — | $49 | 0.13% |
| THOMAS E NORMAN3 | 917 ELDORADO DR DOTHAN, AL 36303 | AFLAC | $43 | — | $43 | 0.12% |
| WALTER KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $42 | — | $42 | 0.11% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $36 | — | $36 | 0.10% |
| JAMES M PITZ3 Filed as: JAMES K HALL | 71 FOX GLOVE CT CATAULA, GA 31804 | AFLAC | $30 | — | $30 | 0.08% |
| JOCELYN W RICHBURG3 | 102 KIMBERLY ST HEADLAND, AL 36345 | AFLAC | $28 | — | $28 | 0.08% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $28 | — | $28 | 0.08% |
| BARBARA R KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $28 | — | $28 | 0.08% |
| PAUL S WATKINS3 | PO BOX 269 TROY, AL 36081 | AFLAC | $26 | — | $26 | 0.07% |
| BRENDA WALTON HALL3 | 71 FOX GLOVE CT CATAULA, GA 31804 | AFLAC | $24 | — | $24 | 0.07% |
| BUCK MAYO JR3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $20 | — | $20 | 0.05% |
| JOHN MCDONNELL3 Filed as: JOHN R WILLIAMS | 205 FOXRUN TRAIL DOTHAN, AL 36303 | AFLAC | $18 | — | $18 | 0.05% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $17 | — | $17 | 0.05% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $14 | — | $14 | 0.04% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $14 | — | $14 | 0.04% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $12 | — | $12 | 0.03% |
| MARGARET E MAYO3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $11 | — | $11 | 0.03% |
| RICKEY L BOOTHE3 | PO BOX 584 OPP, AL 36467 | AFLAC | $10 | — | $10 | 0.03% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 0.01% |
| BRIAN E HICKS3 | 5073 DONOVAN ST FRANKLIN, TN 37064 | AFLAC | $3 | — | $3 | 0.01% |
| JOEL SANDERS3 Filed as: JOEL A SANDERS | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.01% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.45% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $679K |
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 | 1,007 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CANOPY INSURANCE CORP | 701 | $343K |
| Vision(2 contracts, 2 carriers) | CANOPY INSURANCE CORP | 682 | $93K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN LIFE | 539 | $110K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE | 539 | $101K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE | 539 | $101K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,030 | $624K |
| Other(4 contracts, 3 carriers) | GUARDIAN LIFE | 539 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,030 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.