| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE LLC3 | 100 CHURCH ST SUITE 600 HUNTSVILLE, AL 35801 | PRUDENTIAL | $18K | — | $18K | 8.05% |
| CB&S FINANCIAL SERVICES3 | PO BOX 910 RUSSELLVILLE, AL 35653 | PRUDENTIAL | $18K | — | $18K | 8.05% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $174 | $174 | 0.08% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $8K | $249 | $8K | 6.10% |
| FELICIA A WEAR3 | 89 CEDAR BEND DR FLORENCE, AL 35630 | AFLAC | $4K | $291 | $4K | 3.15% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $2K | $123 | $2K | 1.47% |
| CB&S FINANCIAL SERVICES6 | PO BOX 910 RUSSELLVILLE, AL 35653 | AFLAC | $2K | — | $2K | 1.28% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $1K | — | $1K | 1.08% |
| SAIC INC7 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $1K | — | $1K | 0.96% |
| JOSEPH P CALARCO4 Filed as: JOSEPH N MCBRIDE | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $1K | — | $1K | 0.84% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $734 | $120 | $854 | 0.66% |
| WAYNE D HESTER | 10330 HWY 43 RUSSELLVILLE, AL 35653 | AFLAC | $608 | — | $608 | 0.47% |
| SUZETTE GOULD3 | 1245 SOUTHRIDGE CT STE 107 HURST, TX 76053 | AFLAC | $557 | — | $557 | 0.43% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $486 | — | $486 | 0.38% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $376 | — | $376 | 0.29% |
| SUZETTE GOULD3 | 6216 TRUMAN ALDRICH PKWY WEST BLOCKTON, AL 35184 | AFLAC | $344 | — | $344 | 0.27% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DR APT 1B TUSCALOOSA, AL 35401 | AFLAC | $342 | — | $342 | 0.27% |
| SUZETTE GOULD3 | 327 S WALNUT STREET FLORENCE, AL 35630 | AFLAC | $338 | — | $338 | 0.26% |
| WORTHAM SAN ANTONIO INC Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $270 | — | $270 | 0.21% |
| STEVEN L MOORE | 4749 GREFFITT BEND RD TALLADEGA, AL 35160 | AFLAC | $233 | — | $233 | 0.18% |
| JASON L WEEKS3 | 620 STONEGLEN DR SUITE L KELLER, TX 76248 | AFLAC | $213 | — | $213 | 0.17% |
| CARA G FRETWELL3 | 604 E FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $161 | — | $161 | 0.13% |
| REX L BROOKS7 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $115 | — | $115 | 0.09% |
| SUZANNE M WASSNER3 | PO BOX 5 SHEFFIELD, AL 35660 | AFLAC | $97 | — | $97 | 0.08% |
| RALPH H KEELER4 Filed as: RALPH S MANN | 254 SEVILLE STREET STE A FLORENCE, AL 35630 | AFLAC | $93 | — | $93 | 0.07% |
| EDDIE MARTINDALE JR3 | PO BOX 113 WALNUT, MS 38683 | AFLAC | $77 | — | $77 | 0.06% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $76 | — | $76 | 0.06% |
| STEPHEN B. ALLEN3 Filed as: STEPHEN B ALLEN | 305 W DUNCAN AVE FLORENCE, AL 35630 | AFLAC | $71 | — | $71 | 0.06% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $68 | — | $68 | 0.05% |
| PHYLLIS DAWN HESLEP Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $63 | — | $63 | 0.05% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $54 | — | $54 | 0.04% |
| RANDALL BLEVINS3 | 814 LONGBOW DR SW DECATUR, AL 35603 | AFLAC | $44 | — | $44 | 0.03% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DR FLORENCEE, AL 35630 | AFLAC | $38 | — | $38 | 0.03% |
| JACK MONTGOMERY3 | 3128 HEATHERHILL DR SE HUNTSVILLE, AL 35802 | AFLAC | $35 | — | $35 | 0.03% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $35 | — | $35 | 0.03% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $29 | — | $29 | 0.02% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PKWY 25 MIDLAND, GA 31820 | AFLAC | $29 | — | $29 | 0.02% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $28 | — | $28 | 0.02% |
| THOMAS P O'REAR3 | 14913 EVERSHINE ST TAMPA, FL 33624 | AFLAC | $25 | — | $25 | 0.02% |
| BILLY GILBERT3 | 1807 PETTUS CIRCLE NE HUNTSVILLE, AL 35811 | AFLAC | $25 | — | $25 | 0.02% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT STREET STC 116 39 FRANKLIN, TN 37064 | AFLAC | $24 | — | $24 | 0.02% |
| JANIS E BROCK3 | 1550 NEW LAKE RD LEWISBURG, TN 37091 | AFLAC | $22 | — | $22 | 0.02% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV STE 201 EADS, TN 38028 | AFLAC | $21 | — | $21 | 0.02% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LN MEMPHIS, TN 38120 | AFLAC | $21 | — | $21 | 0.02% |
| D P SMITH3 | PO BOX 16671 JACKSON, MS 39236 | AFLAC | $20 | — | $20 | 0.02% |
| DENNIS L BRELAND3 | 6600 WOODED ACRES RD VANCLEAVE, MS 39565 | AFLAC | $18 | — | $18 | 0.01% |
| DAVID L KLEVAN3 | PO BOX 38219 GERMANTOWN, TN 38183 | AFLAC | $18 | — | $18 | 0.01% |
| THOMAS J PITZENBERGER3 | 7150 CAMPUS DRIVE STE 114 COLORADO SPRINGS, CO 80920 | AFLAC | $16 | — | $16 | 0.01% |
| PRISCILLA L COLEMAN3 | 11278 QUINN STREET JACKSON, MS 39202 | AFLAC | $15 | — | $15 | 0.01% |
| ALBERT WELCH III3 | 4209 LAKELAND DR 369 FLOWOOD, MS 39232 | AFLAC | $14 | — | $14 | 0.01% |
| PHILIP M CHURCHILL3 | 2000 AVONLEA PL APT 202 WOODSTOCK, GA 30189 | AFLAC | $13 | — | $13 | 0.01% |
| MCANALLY INSURANCE AGENCY INC3 | PO BOX 399 BELMONT, MS 38827 | AFLAC | $13 | — | $13 | 0.01% |
| DAVID C HENRY3 | 36 ELM LN ECRU, MS 38841 | AFLAC | $13 | — | $13 | 0.01% |
| ANITA ATKINSON3 Filed as: ANITA D ATKINSON | PO BOX 738 BRANDON, MS 39043 | AFLAC | $12 | — | $12 | 0.01% |
| GREGORY REYNOLDS3 | 201 BRIARWOOD DR KILLEN, AL 35645 | AFLAC | $12 | — | $12 | 0.01% |
| ROBERT C WEBB3 | 1856 PENSHURST DRIVE COLLIERVILLE, TN 38017 | AFLAC | $11 | — | $11 | 0.01% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, AL 39110 | AFLAC | $9 | — | $9 | 0.01% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $9 | — | $9 | 0.01% |
| MONIQUE E HAHN3 Filed as: MONIQUE HAHN | 2024 3RD AVE N STE 219 BIRMINGHAM, AL 35203 | AFLAC | $8 | — | $8 | 0.01% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $8 | — | $8 | 0.01% |
| LESLIE H SILTMAN3 | 207 MOORE DR BATESVILLE, MS 38606 | AFLAC | $8 | — | $8 | 0.01% |
| ALBERT H KING3 | 4 QUAIL CREEK RD NATCHEZ, MS 39120 | AFLAC | $8 | — | $8 | 0.01% |
| SHIRLEE BLEVINS3 | 814 LONGBOW DR SW DECATUR, AL 35603 | AFLAC | $8 | — | $8 | 0.01% |
| DALE CARTER SR3 | 6115 EDEN SQ CRESTVIEW, FL 32539 | AFLAC | $7 | — | $7 | 0.01% |
| JOHN BECK3 | PO BOX 5388 COLUMBUS, GA 31906 | AFLAC | $7 | — | $7 | 0.01% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $7 | — | $7 | 0.01% |
| HENRY HUGH HOLLAND3 | 5594 CONFEDERATE CIRCLE EAST MEMPHIS, TN 38125 | AFLAC | $6 | — | $6 | 0.00% |
| FSB INSURANCE INC3 | 460 OIL WELL RD JACKSON, TN 38305 | AFLAC | $6 | — | $6 | 0.00% |
| INSGROUP INC3 Filed as: M & F INSURANCE GROUP INC/TUPELO | PO BOX 707 KOSCIUSKO, MS 39090 | AFLAC | $6 | — | $6 | 0.00% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $6 | — | $6 | 0.00% |
| NEIL M MORGAN JR3 | 1056 ESTATES COURT PORTSMOUTH, VA 23703 | AFLAC | $6 | — | $6 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.00% |
| BRIAN K CHAMBERS3 Filed as: BRIAN CHAMBERS | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $5 | — | $5 | 0.00% |
| J STAN ALLEN INC3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $5 | — | $5 | 0.00% |
| CHERISE M WADE3 | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $5 | — | $5 | 0.00% |
| LYNN C WENTWORTH3 | 137 EXECUTIVE DR STE E MADISON, MS 39110 | AFLAC | $5 | — | $5 | 0.00% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INS SVCS OF TN LLC | 480 OIL WELL RD JACKSON, TN 38305 | AFLAC | $5 | — | $5 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.00% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BLVD STE 100 BOWLING GREEN, KY 42104 | AFLAC | $4 | — | $4 | 0.00% |
| ROBERT MOBLEY3 | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $3 | — | $3 | 0.00% |
| KENNETH R APPLE3 | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | AFLAC | $3 | — | $3 | 0.00% |
| PORTIA A PONDS3 | PO BOX 1141 CORDOVA, TN 38088 | AFLAC | $3 | — | $3 | 0.00% |
| EUGENE L PORTER III3 Filed as: EUGENE PORTER III | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES STANLEY ALLEN3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $2 | — | $2 | 0.00% |
| CURTIS W OGLESBY3 | 3615 POTOMAC RIDGE COURT E MOBILE, AL 36695 | AFLAC | $2 | — | $2 | 0.00% |
| DEBRA V BOOKER3 | 7566 WOODBEND CV GERMANTOWN, TN 38138 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $1 | — | $1 | 0.00% |
| AUTUMN BETHEA3 | 1053 MUNA CT SPRING HILL, TN 37174 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $1 | — | $1 | 0.00% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $1 | — | $1 | 0.00% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | 0.00% |
| MONIQUE E HAHN3 | 2024 3RD AVE N SUITE 219 BIRMINGHAM, AL 35203 | AFLAC | $1 | — | $1 | 0.00% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | — | — | $0 | 0.00% |
| ROBERT BROCK3 | 1550 NEW LAKE RD LEWISBURG, TN 37091 | AFLAC | — | — | $0 | 0.00% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LN MEMPHIS, TN 38120 | AFLAC | — | — | $0 | 0.00% |
| JAMES ALLEN3 | 1800 BUFNA VISTA RD COLUMBUS, GA 31906 | AFLAC | — | — | $0 | 0.00% |
| ELLA OGLESBY3 | 10002 SUMMER WOODS CT MOBILE, AL 36695 | AFLAC | — | — | $0 | 0.00% |
| STEVEN L MOORE3 | 8336 BRITTANY PL MONTGOMERY, AL 36117 | AFLAC | — | — | $0 | 0.00% |
| TASHA WILBURN DOZIER3 | 151 HIGHLAND RIDGE DR SALTILLO, MS 38866 | AFLAC | — | — | $0 | 0.00% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | VISION SERVICE PLAN | $6K | — | $6K | 10.00% |
| BENEFITS FIRST LLC3 | PO BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $311 | — | $311 | 2.38% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL RD JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.89% |
| BETTY C HAYNES3 | 5513 POPLAR CORNER RD BROWNSVILLE, TN 38012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.89% |
| EMMA M HENDERSON3 | 347 S MAIN STREET MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.80% |
| FINANCIAL PRODUCTS AND SERVICES3 Filed as: FINANCIAL PRODUCTS AND SERVICES INC | 211 ATHENS WAY NASHVILLE, TN 37228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.80% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DR BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.63% |
| ROBERT E HIGDON3 | 1016 VENUS DR LAWRENCEBURG, KY 40342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.40% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.37% |
| KINDA JACKSON3 | 1811 BROOKSIE THOMPSON RD DECATURVILLE, TN 38329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.31% |
| DENNIS E TRAYWICK3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.27% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.24% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.16% |
| KAREN W GORDON3 | 390 MASTERS DR LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.15% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.09% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN NO 4 MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| LAURA BRYANT3 | 10860 HWY 125 SO MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| ALLISON D JONES3 | 296 N BROAD ST LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW RD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| VICKIE E LEWIS3 | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| LVI BENEFITS SERVICES LLC3 Filed as: LVI BENEFITS LLC | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BOBBY R STEWART3 Filed as: BOBBY WAYNE TERRELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $132 | — | $132 | 4.99% |
| BRANDON PENKO3 Filed as: BRANDON BREWER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $16 | — | $16 | 0.60% |
| EDWARD D SOMMER3 Filed as: EDWARD RIKARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 | Contract Administrator; Employee (plan); Insurance agents and brokers Service code 13 | 450 RIVERCHASE PARKWAY E BIRMINGHAM, AL 352369832 | $358K |
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 | 642 | 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) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 376 | $58K |
| Life insurance | PRUDENTIAL | 485 | $221K |
| Short-term disability | AFLAC | 155 | $129K |
| Long-term disability | PRUDENTIAL | 485 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.