| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 16.26% |
| CAROL KIRK-REEVES3 | 205 LONESOME DOVE TRAIL COLUMBUS, MS 39702 | AFLAC | $2K | $126 | $2K | 5.35% |
| CHRISTOPHER S HARDY3 Filed as: CHRISTOPHER HARDY AND OTHER AGENTS | 113 CLARK STREET, SUITE 3 TUPELO, MS 38804 | AFLAC | $1K | $23 | $1K | 2.98% |
| TERRIE J GILL3 Filed as: TERRIE GILL | 40058 EASTER VALLEY ROAD GREENWOOD SPRINGS, MS 38848 | AFLAC | $714 | $48 | $762 | 1.93% |
| DANIEL REEVES3 | 205 LONESOME DOVE TRAIL COLUMBUS, MS 39702 | AFLAC | $670 | $59 | $729 | 1.85% |
| RONALD KOCH3 | 336 MEGAN LANE COLUMBUS, MS 39705 | AFLAC | $649 | $0 | $649 | 1.64% |
| WILLIAM C ATKINS3 Filed as: WILLIAM ATKINS | 891 HARRELL DRIVE WEST POINT, MS 39773 | AFLAC | $587 | $48 | $635 | 1.61% |
| TIMOTHY BURCH JR3 Filed as: TIMOTHY BURCH, JR. | 13830 MONROE AVENUE NORTHPORT, AL 35475 | AFLAC | $292 | $0 | $292 | 0.74% |
| SAMUEL B. FIELDS3 | PO BOX 1742 TUSCALOOSA, AL 35403 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 8.50% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 219 | $743K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 219 | $743K |
| Vision | STANDARD INSURANCE COMPANY | 71 | $13K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 142 | $91K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 142 | $52K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 142 | $52K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 219 | $743K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 142 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.