| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 9.91% |
| CAROL KIRK-REEVES3 | 205 LONESOME DOVE TRAIL COLUMBUS, MS 39702 | AFLAC | $3K | $16 | $3K | 6.23% |
| DANIEL REEVES3 Filed as: DANIEL KEITH REEVES | 205 LONESOME DOVE TRAIL COLUMBUS, MS 39702 | AFLAC | $1K | $4 | $1K | 3.12% |
| RONALD KOCH3 Filed as: RONALD W KOCH | 336 MEGAN LANE COLUMBUS, MS 39705 | AFLAC | $544 | $0 | $544 | 1.31% |
| GINGER KAYE HARDY3 | 431 W MAIN ST, STE. 410 TUPELO, MS 38804 | AFLAC | $504 | $5 | $509 | 1.23% |
| TERRIE J GILL3 | 40058 EASTER VALLEY RD. GREEWOOD SPRINGS, MS 38848 | AFLAC | $499 | $0 | $499 | 1.20% |
| WILLIAM C ATKINS3 | 891 HARRELL DR. WEST POINT, MS 39773 | AFLAC | $465 | $0 | $465 | 1.12% |
| MIRANDA ANDREWS3 | 1305 LEE ST. TUPELO, MS 38804 | AFLAC | $379 | $4 | $383 | 0.92% |
| TIMOTHY G BURCH JR3 Filed as: TIMOTHY G BURCH, JR | 13830 MONROE AVE. NORTHPORT, AL 35475 | AFLAC | $280 | $0 | $280 | 0.67% |
| CHRISTOPHER S HARDY3 | 113 CLARK ST, STE. 3 TUPELO, MS 38804 | AFLAC | $213 | $0 | $213 | 0.51% |
| RHYS M GREENE3 | 1695 DOUBLE BRANCH ROAD GORDO, AL 35466 | AFLAC | $178 | $0 | $178 | 0.43% |
| SAIC INC3 Filed as: SAIC INC. | 1639 BADLEY PARK DR COLUMBUS, GA 31904 | AFLAC | $109 | $0 | $109 | 0.26% |
| RANDY PRESCOTT3 | 3105 28TH STREET NORTHPORT, AL 35476 | AFLAC | $65 | $0 | $65 | 0.16% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $63 | $0 | $63 | 0.15% |
| SAMUEL J REYNOLDS3 Filed as: SAMUEL FIELDS | 300 TOWNCENTER BLVD, STE D TUSCALOOSA, AL 38406 | 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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 216 | $669K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 216 | $669K |
| Vision | STANDARD INSURANCE COMPANY | 77 | $13K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $53K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $53K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $53K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 216 | $669K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 216 | $764K |
| 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."
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.