| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | $16K | $66K | 15.77% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 136 COUNTY ROAD 7 FLORENCE, AL 35633 | AFLAC | $400 | — | $400 | 2.76% |
| MARILYN HUNTER3 Filed as: MARILYN D HUNTER | 136 COUNTY ROAD 7 FLORENCE, AL 35633 | AFLAC | $222 | — | $222 | 1.53% |
| SAIC INC3 | 16359 BRADLEY PARK DR STE 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $173 | — | $173 | 1.19% |
| JAMES T MITCHELL JR3 | 272 HARRIS CIR MADISON, MS 39110 | AFLAC | $118 | — | $118 | 0.81% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL | BENEFITS INC PO BOX 893 FLORENCE, AL 35631 | AFLAC | $93 | — | $93 | 0.64% |
| CARMEN HUGHES3 | 5390 HIGHLAND PINE LN MABLETON, GA 30126 | AFLAC | $88 | — | $88 | 0.61% |
| JAMES E HEITKAMP3 | 520 HOYING ST CELINA, OH 45822 | AFLAC | $74 | — | $74 | 0.51% |
| ENROLLMENT SPECIALIST PA3 | PO BOX 2449 MADISON, MS 39130 | AFLAC | $73 | — | $73 | 0.50% |
| SUZANNE M WASSNER3 | 219 BEARDSLEY CT MUSCLE SHOALS, AL 35661 | AFLAC | $72 | — | $72 | 0.50% |
| VANESSA C MITCHELL3 | 272 HARRIS CIR MADISON, MS 39110 | AFLAC | $65 | — | $65 | 0.45% |
| AARON ANSPACH LLC3 Filed as: AARON M ANSPACH | 21397 LEHMAN RD DELPHOS, OH 45833 | AFLAC | $47 | — | $47 | 0.32% |
| GARY J SUEVER3 | PO BOX 225 DELPHOS, OH 45833 | AFLAC | $41 | — | $41 | 0.28% |
| EMILY INGRAM3 | 513 COBBLESTONE CT STE 4 MADISON, MS 39110 | AFLAC | $39 | — | $39 | 0.27% |
| JOSPEH E PUPEK JR3 | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $37 | — | $37 | 0.26% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $32 | — | $32 | 0.22% |
| STEVEN VERMAAK3 Filed as: STEVEN P VERMAAK | 3855 SHALLOWFORD RD STE 310 ROSWELL, GA 30062 | AFLAC | $29 | — | $29 | 0.20% |
| MICHAEL D AISSEN3 | 920 HOLOCOMB BRIDGE RD STE 200 ROSWELL, GA 30076 | AFLAC | $29 | — | $29 | 0.20% |
| E SPEED INC3 | 129 GLENWOOD BND MADIOSN, MS 39110 | AFLAC | $28 | — | $28 | 0.19% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $24 | — | $24 | 0.17% |
| JASON L WEEKS3 | 14680 COUNTY ROAD 481 VAN ALSTYNE, TX 75495 | AFLAC | $23 | — | $23 | 0.16% |
| DANIEL L JONES3 | 201 N MAIN ST DELPHOS, OH 45833 | AFLAC | $21 | — | $21 | 0.14% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $19 | — | $19 | 0.13% |
| MATTHEW CREMERS3 | 4215 STEEPLEHILL DR NW KENNESAW, GA 30144 | AFLAC | $15 | — | $15 | 0.10% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $11 | — | $11 | 0.08% |
| CHAD A POLLOCK3 | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $7 | — | $7 | 0.05% |
| SCOTT A SMITH3 | 6340 SUGARLOAF PKWY STE 200 DULUTH, GA 30097 | AFLAC | $7 | — | $7 | 0.05% |
| MICHAEL J QUINN3 | 8580 MAJORCA LN NAPLES, FL 34114 | AFLAC | $5 | — | $5 | 0.03% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY RD STE D BRANDON, MS 39047 | AFLAC | $4 | — | $4 | 0.03% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $3 | — | $3 | 0.02% |
| JHON TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $2 | — | $2 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN J DAY3 | 13189 HIT CHING POST RD DEWITT, MI 48820 | AFLAC | $1 | — | $1 | 0.01% |
| LEE RYAN MCCGRAW3 | 726 MEADOWBROOK RD CARROLLTON, GA 30117 | AFLAC | $1 | — | $1 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $1 | — | $1 | 0.01% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 450 RIVERCHASE PAKKWAY E BIRMINGHAM, AL 35298 | $329K |
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 | 329 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 438 | $417K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 438 | $417K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 438 | $417K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 438 | $431K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 438 | $417K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 331 | $715K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 438 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.