| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 191 BEARDSLEY CT MUSCLE SHOALS, AL 35661 | GUARDIAN | $97K | $17K | $114K | 12.48% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 356622826 | VISON SERVICE PLAN | $4K | — | $4K | 3.00% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | AMERICAN HERITAGE LIFE INSURANCE (ALLSTATE) | $30K | — | $30K | 23.52% |
| MICHAEL HUNTER3 | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 2.56% |
| DONNIE HILL LLC3 | P.O. BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 2.56% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.28% |
| EMPLOYEE BENEFIT SYSTEMS | 10000 MEMORIAL DR. STE. 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $29 | — | $29 | 27.88% |
No Schedule C service providers reported on this filing.
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 | 992 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 992 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE (ALLSTATE) | 181 | $125K |
| Dental | GUARDIAN | 992 | $918K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 992 | $1.1M |
| Life insurance | GUARDIAN | 992 | $918K |
| Short-term disability | GUARDIAN | 992 | $918K |
| Long-term disability | GUARDIAN | 992 | $918K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 992 | $918K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 992 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.