| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCBRIDE BENEFIT SOLUTIONS INC3 | 407 S COURT ST FLORENCE, AL 356305613 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 14.20% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $3K | $25 | $3K | 4.93% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 136 COUNTY ROAD 7 FLORENCE, AL 35633 | AFLAC | $2K | $26 | $2K | 3.71% |
| MCBRIDE BENEFIT SOLUTIONS INC3 | 885 COX CREEK PKWY FLORENCE, AL 35630 | AFLAC | $2K | — | $2K | 2.94% |
| CARA G FRETWELL3 | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $1K | $17 | $1K | 2.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $958 | $14 | $972 | 1.45% |
| MARILYN HUNTER3 Filed as: MARILYN D HUNTER | 136 COUNTY ROAD 7 FLORENCE, AL 35633 | AFLAC | $872 | — | $872 | 1.30% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $537 | — | $537 | 0.80% |
| LAKISHA RICKS3 | 900 TENNESSEE RIVER DR MUSCLE SHOALS, AL 35661 | AFLAC | $362 | — | $362 | 0.54% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $282 | — | $282 | 0.42% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $277 | — | $277 | 0.41% |
| JOSEPH E PUPEK JR3 | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $216 | — | $216 | 0.32% |
| AMY MCBRIDE3 | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $162 | — | $162 | 0.24% |
| CRAIG M GADDY3 | 1304 7TH AVE NE JACKSONVILLE, AL 36265 | AFLAC | $145 | — | $145 | 0.22% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $116 | — | $116 | 0.17% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $99 | — | $99 | 0.15% |
| STEVE C BRANNON3 | 15 LOCKHART RD HARTSELLE, AL 35640 | AFLAC | $90 | — | $90 | 0.13% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $66 | — | $66 | 0.10% |
| DANA HOBBS3 Filed as: DANA C HOBBS | 1221 WOOD HOLLOW DR AP 13104 HOUSTON, TX 77057 | AFLAC | $50 | — | $50 | 0.07% |
| PERRY L CALVERT3 | 2616 ELDERDALE DR SE OWENS CROSS ROADS, AL 35763 | AFLAC | $50 | — | $50 | 0.07% |
| APRIL P KILLGORE3 Filed as: APRIL P KILGORE | 22814 OAKDALE RIDGE LN ATHENS, AL 35613 | AFLAC | $41 | — | $41 | 0.06% |
| GIBBS MORGAN3 | PO BOX 2684 PEACHTREE CITY, GA 30269 | AFLAC | $25 | — | $25 | 0.04% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $20 | — | $20 | 0.03% |
| JASON L WEEKS3 | 14680 COUNTY ROAD 481 VAN ALSTYNE, TX 75495 | AFLAC | $20 | — | $20 | 0.03% |
| KEITH A PHILLIPS3 | 920 BIBB AVE AUBURN, AL 36830 | AFLAC | $19 | — | $19 | 0.03% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $17 | — | $17 | 0.03% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $16 | — | $16 | 0.02% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $15 | — | $15 | 0.02% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| MCBRIDE BENEFIT SOLUTIONS INC3 | 407 S COURT ST FLORENCE, AL 35630 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 NONE | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352980001 | $204K |
| UNITED TRUST INSURANCE COMPANY NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | $33K |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $167K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $178K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $178K |
| Stop-loss / reinsurancereinsurance | LLOYDS | 127 | $329K |
| Other(2 contracts, 2 carriers) | AFLAC | 133 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.