| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PALOMAR INSURANCE CORPORATION3 | PO BOX 11128 MONTGOMERY, AL 36111 | DEARBORN LIFE INSURANCE COMPANY | $44K | — | $44K | 15.02% |
| BOZEMAN ENTERPRISES INC3 | 9052 BROOKSIDE LANE DAPHNE, AL 36526 | AFLAC | $5K | $78 | $5K | 6.59% |
| CHARLES N MADISON3 | 8794 COUNTY ROAD 91 LILLIAN, AL 36549 | AFLAC | $2K | — | $2K | 2.85% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $1K | — | $1K | 1.68% |
| PETE CANARELA3 | 21036A STATE HIGHWAY 181 SUITE 102B FAIRHOPE, AL 36532 | AFLAC | $940 | — | $940 | 1.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: DEBORAH C WILLIS | PO BOX 1173 BLAIRSVILLE, GA 30514 | AFLAC | $910 | — | $910 | 1.24% |
| SARAH Y ZACCARO3 | 1015 MONTLIMAR DRIVE SUITE C1 MOBILE, AL 36609 | AFLAC | $473 | $18 | $491 | 0.67% |
| MICHAEL W OGLESBY3 | 3194 GATES CIRCLE NORTH HEODORE, AL 36582 | AFLAC | $489 | — | $489 | 0.67% |
| RONALD EUGENE WALLACE3 | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $398 | — | $398 | 0.54% |
| SUPPLEMENTAL SPECIALISTS INC3 | PO BOX 1173 BLAIRSVILLE, GA 30514 | AFLAC | $355 | — | $355 | 0.48% |
| CURTIS W OGLESBY3 | 3615 POTOMAC RIDGE COURT EAST MOBILE, AL 36695 | AFLAC | $206 | — | $206 | 0.28% |
| DAVID S JESSE3 | 11962 HOMETOWN PLACE ORLANDO, FL 32832 | AFLAC | $164 | — | $164 | 0.22% |
| JACKIE F BURLESON3 | 1124 MARTHA ALLEYN DRIVE SARALAND, AL 36571 | AFLAC | $116 | — | $116 | 0.16% |
| WILLIAM C HAMMOND JR3 | PO BOX 927 JACKSON, AL 36545 | AFLAC | $103 | — | $103 | 0.14% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 3187 ESSEX PLACE DRIVE MOBILE, AL 36695 | AFLAC | $39 | — | $39 | 0.05% |
| MARK P KNUTSON3 | 18 14TH AVENUE NORTH HOPKINS, MN 55343 | AFLAC | $35 | — | $35 | 0.05% |
| KATLYN SESERA3 | 9338 SANIBEL LOOP DAPHNE, AL 36526 | AFLAC | $32 | — | $32 | 0.04% |
| MARTHA SUE MCGILL3 | 6 YACHT CLUB DRIVE APARTMENT 106 DAPHNE, AL 36526 | AFLAC | $29 | — | $29 | 0.04% |
| BETTY JEAN GAMACHE3 Filed as: BETTY JANE LITTLE | 481 TOWNE LAKE PLACE MONTGOMERY, AL 36117 | AFLAC | $27 | — | $27 | 0.04% |
| JOSEPH C ROSA JR3 | 55 SOUTH MONTEREY STREET MOBILE, AL 36604 | AFLAC | $26 | — | $26 | 0.04% |
| CHARLES F EICHELBERGER SR3 Filed as: CHARLES F EICHELBERGER SER | 7192 AFFIRM LANE COLUMBUS, GA 31909 | AFLAC | $25 | — | $25 | 0.03% |
| DAVID A JOHNSON3 | 7526 NORTH LAKE DRIVE SPANISH FORT, AL 36527 | AFLAC | $25 | — | $25 | 0.03% |
| JEANNE BAGGETT3 | 836 MYSTIC PARKWAY SPRING BRANCH, TX 78070 | AFLAC | $24 | — | $24 | 0.03% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $21 | — | $21 | 0.03% |
| LYNNE HUDGINS MOORE3 | 8650 MINNEI BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $18 | — | $18 | 0.02% |
| KARA BLAKE CROPP3 | 3430 RIVER ROAD THEODORE, AL 36582 | AFLAC | $17 | — | $17 | 0.02% |
| NATHAN SUBER3 | 473 NORTH OAKLEY DRIVE COLUMBUS, GA 31906 | AFLAC | $14 | — | $14 | 0.02% |
| JONATHON E POINTER3 | 9224 THOROUGHBRED RUN FAIRHOPE, AL 36532 | AFLAC | $13 | — | $13 | 0.02% |
| JERRY ANN MCCARRON3 | 18172 SOUTH SECTION STREET APARTMENT 4702 FAIRHOPE, AL 36532 | AFLAC | $12 | — | $12 | 0.02% |
| SANDRA D MADISON3 | 8794 COUNTY ROAD 91 LILLIAN, AL 36549 | AFLAC | $9 | — | $9 | 0.01% |
| BRIAN E HICKS3 | 2739 AMERICUS DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $9 | — | $9 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BOULEVARD CHARLESTON, SC 29492 | AFLAC | $7 | — | $7 | 0.01% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DRIVE PIKE ROAD, AL 36064 | AFLAC | $7 | — | $7 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PARKWAY SUITE B-2 MIDLAND, GA 31820 | AFLAC | $4 | — | $4 | 0.01% |
| JOEL SANDERS3 | 2165 HAYCYON BOULEVARD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIAM L AMOS III3 | 7100 STILLWATER DRIVE COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 1543 TEDDINGTON STREET DELAND, FL 32720 | AFLAC | $1 | — | $1 | 0.00% |
| PALOMAR INSURANCE CORPORATION3 | PO DRAWER 11128 MONTGOMERY, AL 36111 | HARTFORD LIFE AND ACCIDENT | $146 | — | $146 | 14.97% |
| PALOMAR INSURANCE CORPORATION3 | 4525 EXECUTIVE PARK DRIVE MONTGOMERY, AL 36116 | HARTFORD LIFE AND ACCIDENT | $113 | — | $113 | 15.07% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 243 | $4.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 243 | $4.2M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 243 | $4.2M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 203 | $296K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 203 | $296K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 243 | $4.2M |
| Other(4 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 212 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.