| 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 | $0 | $5K | 10.00% |
| CAROL KIRK-REEVES3 | 205 LONESOME DOVE TRAIL COLUMBUS, MS 39702 | AFLAC | $3K | $162 | $3K | 6.59% |
| MJ INSURANCE3 Filed as: TIMOTHY BURCH JR AND VARIOUS AGENTS | 13830 MONROE AVENUE NORTHPORT, AL 35475 | AFLAC | $1K | $0 | $1K | 2.94% |
| DANIEL REEVES3 | 205 LONESOME DOVE TRAIL COLUMBUS, MS 39702 | AFLAC | $823 | $40 | $863 | 2.13% |
| TERRIE J GILL3 Filed as: TERRIE GILL | 40058 EASTER VALLEY ROAD GREENWOOD SPRINGS, MS 38848 | AFLAC | $606 | $0 | $606 | 1.50% |
| RONALD KOCH3 | 336 MEGAN LANE COLUMBUS, MS 39705 | AFLAC | $576 | $0 | $576 | 1.42% |
| WILLIAM C ATKINS3 Filed as: WILLIAM ATKINS | 891 HARRELL DRIVE WEST POINT, MS 39773 | AFLAC | $517 | $0 | $517 | 1.28% |
| GINGER KAYE HARDY3 Filed as: GINGER HARDY | 431 WEST MAIN STREET, SUITE 410 TUPELO, MS 38804 | AFLAC | $367 | $47 | $414 | 1.02% |
| MICHAEL J. MUNGENAST3 | 3014 RIVER BROOK LANE BIRMINGHAM, AL 35242 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.20% |
| SECURA CONSULTANTS LLC3 Filed as: SECURA CONSULTANTS, LLC | 6465 WAYZATA BOULEVARD, SUITE 920 MINNEAPOLIS, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.13% |
| FIRST PROTECTIVE INSURANCE GROUP3 | 2501 20TH PLACE SOUTH, SUITE 300 BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.46% |
| 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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 216 | $684K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 216 | $684K |
| Vision | STANDARD INSURANCE COMPANY | 71 | $13K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 144 | $94K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 144 | $54K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 144 | $54K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 216 | $684K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 144 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.