| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 2415 ROSEDALE, SUITE G MUSCLE SHOALS, AL 35661 | GUARDIAN | $219K | $17K | $236K | 11.21% |
| MICHAEL HUNTER Filed as: MICHAEL FORREST HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 356622826 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 0.70% |
| MICHAEL HUNTER Filed as: MICHAEL F. HUNTER - BOR | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | EYEMED VISION CARE | $21K | — | $21K | 8.44% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | AMERICAN HERITAGE LIFE INSURANCE (ALLSTATE) | $26K | — | $26K | 16.73% |
| MICHAEL HUNTER Filed as: MICHAEL FORREST HUNTER | 2415 ROSEDALE STREET SUITE G MUSCLE SHOALS, AL 35661 | KAISER FOUNDATION HEALTH PLAN CO | $4K | — | $4K | 4.23% |
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 | 1,763 | 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) | 1,763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE (ALLSTATE) | 369 | $154K |
| Dental | GUARDIAN | 1,763 | $2.1M |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 2,911 | $2.4M |
| Life insurance | GUARDIAN | 1,763 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 1,763 | $2.3M |
| Long-term disability | GUARDIAN | 1,763 | $2.1M |
| Other | GUARDIAN | 1,763 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,911 | — |
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.