| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 6.37% |
| MCBRIDE BENEFIT SOLUTIONS INC3 | 407 S COURT ST FLORENCE, AL 35630 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 3.63% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $4K | $185 | $4K | 8.07% |
| CARA G FRETWELL3 | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $961 | $44 | $1K | 1.96% |
| MARILYN HUNTER3 Filed as: MARILYN D HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $855 | — | $855 | 1.67% |
| LAKISHA RICKS3 | 900 TENNESSEE RIVER DR MUSCLE SHOALS, AL 35661 | AFLAC | $733 | $42 | $775 | 1.51% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $603 | $42 | $645 | 1.26% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $502 | — | $502 | 0.98% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $443 | — | $443 | 0.87% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $256 | — | $256 | 0.50% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $238 | — | $238 | 0.46% |
| JOSEPH E PUPEK JR3 | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $196 | — | $196 | 0.38% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $127 | — | $127 | 0.25% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $124 | — | $124 | 0.24% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $88 | — | $88 | 0.17% |
| STEVE C BRANNON3 | 2812 BURNINGTREE MOUNTAIN RD SE DECATUR, AL 35603 | AFLAC | $84 | — | $84 | 0.16% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $76 | — | $76 | 0.15% |
| GIBBS MORGAN3 | PO BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $23 | — | $23 | 0.04% |
| DANA HOBBS3 Filed as: DANA C HOBBS | 1221 WOOD HOLLOW DR AP 13104 HOUSTON, TX 77057 | AFLAC | $19 | — | $19 | 0.04% |
| PERRY L CALVERT3 | 2940 MILL RUN RD SE APT 13104 OWENS CROSS ROADS, AL 35763 | AFLAC | $19 | — | $19 | 0.04% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $18 | — | $18 | 0.04% |
| JASON L WEEKS3 | 8191 HIGHWAY 46 N SHERIDAN, AR 72150 | AFLAC | $18 | — | $18 | 0.04% |
| KEITH A PHILLIPS3 | 138 S WASHINGTON ST PRATTVILLE, AL 36067 | AFLAC | $18 | — | $18 | 0.04% |
| APRIL P KILLGORE3 Filed as: APRIL P KILGORE | 22814 OAKDALE RIDGE LN ATHENS, AL 35613 | AFLAC | $16 | — | $16 | 0.03% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $15 | — | $15 | 0.03% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $15 | — | $15 | 0.03% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $14 | — | $14 | 0.03% |
| MARY ALISON SMITH3 | 52 POINT OF VW PADUCAH, KY 42001 | AFLAC | $13 | — | $13 | 0.03% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, PA 39350 | AFLAC | $10 | — | $10 | 0.02% |
| JEANNE T SCHWAB3 | 4407 LAKESIDE DR BETTENDORF, IA 52722 | AFLAC | $6 | — | $6 | 0.01% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $4 | — | $4 | 0.01% |
| TINA M LASSUY3 | 5312 11TH AVENUE A MOLINE, IL 61265 | AFLAC | $3 | — | $3 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.01% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MC COOL JUNCTION, NE 68401 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES THOMAS ELDRIDGE3 | 800 GREEN T LK W HERNANDO, MS 38632 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN D LASSUY3 | 4544 3RD ST MOLINE, IL 61265 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $1 | — | $1 | 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% |
| RANDALL TANNER3 | 910 WARREN AVE TUSCUMBIA, AL 35674 | AFLAC | — | — | $0 | 0.00% |
| JOSEPH MCBRIDE3 | 407 S COURT ST FLORENCE, AL 35630 | VISION SERVICE PLAN | $2K | — | $2K | 7.51% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 356622826 | VISION SERVICE PLAN | $640 | — | $640 | 2.49% |
| 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 | $131K |
| UNITED TRUST INSURANCE COMPANY NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | $28K |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 90 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 133 | $120K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 133 | $120K |
| Stop-loss / reinsurancereinsurance | LLOYDS | 119 | $279K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 133 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.