| 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 LIFE INS. CO. OF AMERICA | $201K | — | $201K | 9.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR, SUITE 200 CHESTERFIELD, MO 63017 | GUARDIAN LIFE INS. CO. OF AMERICA | $120K | $18K | $138K | 6.34% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | GUARDIAN LIFE INS. CO. OF AMERICA | $82K | — | $82K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 825 MARYVILLE CTR DR, SUITE 200 CHESTERFIELD, MO 63017 | VISION SERVICE PLAN | $13K | — | $13K | 5.16% |
| MICHAEL HUNTER3 | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | VISION SERVICE PLAN | $11K | — | $11K | 4.37% |
| ARMFIELD HARRISON & THOMAS3 | P.O. BOX 71146 CHARLOTTE, NC 28272 | VISION SERVICE PLAN | $10K | — | $10K | 4.07% |
| MICHAEL HUNTER3 Filed as: MICHAEL FORREST HUNTER | 2415 ROSEDALE STREET SUITE G MUSCLE SHOALS, AL 35661 | KAISER FOUNDATION HEALTH PLAN CO | $3K | — | $3K | 4.54% |
| MICHAEL HUNTER3 Filed as: MICHAEL FORREST HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 356622826 | KAISER FOUNDATION HEALTH PLAN INC. | $978 | — | $978 | 1.93% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | KAISER FOUNDATION HEALTH PLAN INC. | $638 | — | $638 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC. | $479 | — | $479 | 0.95% |
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 | 1,588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN CO | 13 | $116K |
| Vision | VISION SERVICE PLAN | 1,165 | $257K |
| Life insurance | GUARDIAN LIFE INS. CO. OF AMERICA | 2,130 | $2.2M |
| Short-term disability | GUARDIAN LIFE INS. CO. OF AMERICA | 2,130 | $2.2M |
| Long-term disability | GUARDIAN LIFE INS. CO. OF AMERICA | 2,130 | $2.2M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN CO | 13 | $116K |
| Other | GUARDIAN LIFE INS. CO. OF AMERICA | 2,130 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,130 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.