| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PALOMAR INSURANCE CORPORATION3 | P.O. BOX 240849 MONTGOMERY, AL 36124 | DEARBORN LIFE INSURANCE COMPANY | $49K | — | $49K | 14.93% |
| MURFEE MEADOWS INC3 Filed as: MURFEE MEADOWS, INC | 120 OFFICE PARK DR STE 100 BIRMINGHAM, AL 352232426 | DEARBORN LIFE INSURANCE COMPANY | — | $13K | $13K | 4.13% |
| THE CASON GROUP INC3 Filed as: CASON GROUP INC (THE) | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | DEARBORN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.43% |
| CHRIS S JOHNSON3 | 3900 MONTCLAIR RD FL 1 BIRMINGHAM, AL 35213 | DEARBORN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.42% |
| BOZEMAN ENTERPRISES INC3 | 9052 BROOKSIDE LANE DAPHNE, AL 36526 | AFLAC | $6K | $339 | $6K | 7.57% |
| CHARLES N MADISON3 | 8794 COUNTY ROAD 91 LILLIAN, AL 36549 | AFLAC | $2K | — | $2K | 2.27% |
| PETE CANARELA3 | 18972 HIGHLAND DR FAIRHOPE, AL 36532 | AFLAC | $1K | $20 | $1K | 1.60% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $1K | — | $1K | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: DEBORAH C WILLIS | PO BOX 1173 BLAIRSVILLE, GA 30514 | AFLAC | $875 | — | $875 | 1.06% |
| SARAH Y ZACCARO3 | PO BOX 91531 MOBILE, AL 36609 | AFLAC | $740 | $40 | $780 | 0.95% |
| MICHAEL W OGLESBY3 | 3194 GATES CIRCLE NORTH THEODORE, AL 36582 | AFLAC | $459 | — | $459 | 0.56% |
| RONALD EUGENE WALLACE3 | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $416 | — | $416 | 0.51% |
| SUPPLEMENTAL SPECIALISTS INC3 | PO BOX 1173 BLAIRSVILLE, GA 30514 | AFLAC | $348 | — | $348 | 0.42% |
| CURTIS W OGLESBY3 | 3615 POTOMAC RIDGE COURT EAST MOBILE, AL 36695 | AFLAC | $186 | — | $186 | 0.23% |
| DAVID S JESSE3 | 11962 HOMETOWN PLACE ORLANDO, FL 32832 | AFLAC | $165 | — | $165 | 0.20% |
| BRITTANY D MORRIS3 | 16640 CHERUBIM CT LOXLEY, AL 36551 | AFLAC | $144 | $2 | $146 | 0.18% |
| WILLIAM C HAMMOND JR3 | PO BOX 927 JACKSON, AL 36545 | AFLAC | $87 | — | $87 | 0.11% |
| TIMOTHY A. HUDNALL3 Filed as: TIMOTHY CANARELA | 427 PATLYNN DR FAIRHOPE, AL 36532 | AFLAC | $70 | — | $70 | 0.09% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 3187 ESSEX PLACE DRIVE MOBILE, AL 36695 | AFLAC | $42 | — | $42 | 0.05% |
| BETTY JEAN GAMACHE3 Filed as: BETTY JANE LITTLE | 481 TOWNE LAKE PLACE MONTGOMERY, AL 36117 | AFLAC | $34 | — | $34 | 0.04% |
| MARTHA SUE MCGILL3 | 6 YACHT CLUB DRIVE APARTMENT 106 DAPHNE, AL 36526 | AFLAC | $31 | — | $31 | 0.04% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $31 | — | $31 | 0.04% |
| RICHARD BOWEN3 Filed as: RICHARD ALAN NICKELSON | 112 DERBY LN FOLEY, AL 36535 | AFLAC | $30 | — | $30 | 0.04% |
| CHARLES F EICHELBERGER SR3 Filed as: CHARLES F EICHELBERGER SER | 7192 AFFIRM LANE COLUMBUS, GA 31909 | AFLAC | $27 | — | $27 | 0.03% |
| DAVID A JOHNSON3 | 7526 NORTH LAKE DRIVE SPANISH FORT, AL 36527 | AFLAC | $27 | — | $27 | 0.03% |
| MARK P KNUTSON3 | 18 14TH AVENUE NORTH HOPKINS, MN 55343 | AFLAC | $23 | — | $23 | 0.03% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $22 | — | $22 | 0.03% |
| LYNNE HUDGINS MOORE3 | 8650 MINNEI BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $22 | — | $22 | 0.03% |
| JEANNE BAGGETT3 | 836 MYSTIC PARKWAY SPRING BRANCH, TX 78070 | AFLAC | $15 | — | $15 | 0.02% |
| NATHAN SUBER3 | 473 NORTH OAKLEY DRIVE COLUMBUS, GA 31906 | AFLAC | $15 | — | $15 | 0.02% |
| JONATHON E POINTER3 | 9224 THOROUGHBRED RUN FAIRHOPE, AL 36532 | AFLAC | $14 | — | $14 | 0.02% |
| JERRY ANN MCCARRON3 | 18172 SOUTH SECTION STREET APARTMENT 5402 FAIRHOPE, AL 36532 | AFLAC | $13 | — | $13 | 0.02% |
| KARA BLAKE CROPP3 | 3430 RIVER ROAD THEODORE, AL 36582 | AFLAC | $12 | — | $12 | 0.01% |
| SANDRA D MADISON3 | 8794 COUNTY ROAD 91 LILLIAN, AL 36549 | AFLAC | $10 | — | $10 | 0.01% |
| BRIAN E HICKS3 | 2739 AMERICUS DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $9 | — | $9 | 0.01% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DRIVE PIKE ROAD, AL 36064 | AFLAC | $9 | — | $9 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BOULEVARD CHARLESTON, SC 29492 | AFLAC | $8 | — | $8 | 0.01% |
| KATLYN SESERA3 | 9338 SANIBEL LOOP DAPHNE, AL 36526 | AFLAC | $4 | — | $4 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PARKWAY SUITE B-2 MIDLAND, GA 31820 | AFLAC | $4 | — | $4 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BOULEVARD MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 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 | $0 | — | $0 | 0.00% |
| PALOMAR INSURANCE CORPORATION3 | PO BOX 240849 MONTGOMERY, AL 36124 | HARTFORD LIFE AND ACCIDENT | $167 | — | $167 | 15.02% |
| 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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 687 | $5.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 687 | $5.0M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 687 | $5.0M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 203 | $327K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 203 | $327K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 687 | $5.0M |
| Other(4 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 213 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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.