| 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 | $23K | $8K | $31K | 13.32% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $698 | — | $698 | 3.19% |
| MARILYN HUNTER3 Filed as: MARILYN D HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $385 | — | $385 | 1.76% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $253 | — | $253 | 1.16% |
| CARMEN HUGHES3 | 5390 HIGHLAND PINE LN MABLETON, GA 30126 | AFLAC | $202 | — | $202 | 0.92% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R & L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $133 | — | $133 | 0.61% |
| JOSEPH E PUPEK JR3 | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $132 | — | $132 | 0.60% |
| JAMES E HEITKAMP3 | 520 HOYING ST CELINA, OH 45822 | AFLAC | $111 | — | $111 | 0.51% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $74 | — | $74 | 0.34% |
| SUZENNE M WASSNER3 | PO BOX 5 SHEFFIELD, AL 35660 | AFLAC | $72 | — | $72 | 0.33% |
| MICHAEL D AISSEN3 | 920 HOLCOMB BRIDGE RD STE 200 ROSWELL, GA 30076 | AFLAC | $64 | — | $64 | 0.29% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $64 | — | $64 | 0.29% |
| GARY J SUEVER3 | PO BOX 225 DELPHOS, OH 45833 | AFLAC | $61 | — | $61 | 0.28% |
| STEVEN VERMAAK3 Filed as: STEVEN P VERMAAK | 3855 SHALLOWFORD RD STE 310 MARIETTA, GA 30062 | AFLAC | $61 | — | $61 | 0.28% |
| AARON ANSPACH LLC3 | 209 N MAIN ST STE 8 LIMA, OH 45801 | AFLAC | $52 | — | $52 | 0.24% |
| DANIEL L JONES3 | 201 N MAIN ST DELPHOS, OH 45833 | AFLAC | $41 | — | $41 | 0.19% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $35 | — | $35 | 0.16% |
| MATTHEW CREMERS3 Filed as: MATTHEW CREWERS | 1001 GOLF ESTATES DR WOODSTOCK, GA 30189 | AFLAC | $34 | — | $34 | 0.16% |
| GARY E SADLER3 | 4244 SCHOOLER RD CRIDERSVILLE, OH 45806 | AFLAC | $27 | — | $27 | 0.12% |
| JASON L WEEKS3 | 620 STONEGLEN DR STE L KELLER, TX 76248 | AFLAC | $26 | — | $26 | 0.12% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $15 | — | $15 | 0.07% |
| CHAD A POLLOCK3 | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $10 | — | $10 | 0.05% |
| JOSEPH BURGEI3 | 6721 REDD RD ELIDA, OH 45807 | AFLAC | $9 | — | $9 | 0.04% |
| BRADLEY J WIECHART3 | 117 NORTHWOOD DR CELINA, OH 45822 | AFLAC | $8 | — | $8 | 0.04% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $6 | — | $6 | 0.03% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $5 | — | $5 | 0.02% |
| MICHAEL J QUINN3 | 8580 MAJORCA LN NAPLES, FL 34114 | AFLAC | $5 | — | $5 | 0.02% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $4 | — | $4 | 0.02% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MA 48820 | AFLAC | $4 | — | $4 | 0.02% |
| BRIAN E HICKS3 | 1327 JEWELL AVE FRANKLIN, TN 37064 | AFLAC | $4 | — | $4 | 0.02% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $3 | — | $3 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.01% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $3 | — | $3 | 0.01% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIR FRENANDINA BEACH, FL 32034 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $2 | — | $2 | 0.01% |
| ERNEST THOMAS BROOKS3 | 153 CHEYENNE DR JACKSON, TN 38305 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN C RASCHELLA3 | 20521 TAHITIAN BLVD STE 205 ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.00% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.00% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $1 | — | $1 | 0.00% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE STE 102 CINCINNATI, OH 45242 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BOUE SHIELD ALABAMA EIN 63-0103830 NONE | Insurance agents and brokers; Contract Administrator; Employee (plan) Service code 13 | 450 RIVERCHASE PAKKWAY E BIRMINGHAM, AL 35298 | $211K |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $234K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $234K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $255K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $234K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.