| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY H HEPLER3 | PO BOX 15109 HUNTSVILLE, AL 35802 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $25K | 18.12% |
| ROGERS BENEFIT GROUP INC3 Filed as: TAMANTHA ROGERS | 457 CLIFF TOP RD BLAINE, TN 37709 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.70% |
| PERFORMANCE MATTERS ASSOCIATES3 Filed as: PERFORMANCE MATTERS ASSOCS | 11825 PENNSYLVANIA ST CARMEL, IN 46032 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.35% |
| MICHAEL MCGUFFIN3 | 3604 ROCKY CREEK DR SENECA, SC 29678 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $568 | — | $568 | 1.83% |
| NICHOLAS BARATTINI3 | 1142 ANGELICA LN TEGA CAY, SC 29708 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $549 | — | $549 | 1.77% |
| RICHARD LEE3 Filed as: RICHARD SCOTT LEE | 555 BAYVIEW DR BELLEAIR, FL 33756 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $356 | — | $356 | 1.15% |
| MICHAEL FOSTER3 | 21251 MARSH HAWK DR LAND O LAKES, FL 34638 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $356 | — | $356 | 1.15% |
| JUDY STOKES3 | 3600 MOUNTAIN VISTA RD KNOXVILLE, TN 37931 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $297 | — | $297 | 0.96% |
| CAPITAL AMERICAN LIFE INS CO.3 Filed as: CAPITAL AMERICAN LIFE INS CO | 11815 N PENNSYLVANIA ST CARMEL, IN 460324555 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $120 | — | $120 | 0.39% |
| AMERICAN LIFE & CASUALTY3 | 11825 PENNSYLVANIA AVE CARMEL, IN 46032 | WASHINGTON NATIONAL LIFE INSURANCE COMPANY | $87 | — | $87 | 0.28% |
| RANDY L BENNETT3 | 1060 WINCHESTER ROAD HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.41% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 260 | $436K |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 260 | $436K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $138K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $138K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $138K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $138K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 260 | $436K |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 260 | $631K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.