| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | THE HUNTER BENEFITS GROUP 2415 ROSEDALE AVE SUITE G MUSCLE SHOALS, AL 35661 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 10.00% |
| MICHAEL HUNTER3 | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $4K | $105 | $4K | 8.39% |
| MARILYN HUNTER3 | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $1K | — | $1K | 2.76% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $758 | — | $758 | 1.73% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 343 FAIRWAYS DR MACON, GA 31220 | AFLAC | $527 | $14 | $541 | 1.24% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | P.O. BOX 893 FLORENCE, AL 35661 | AFLAC | $390 | — | $390 | 0.89% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $343 | $14 | $357 | 0.82% |
| JOSEPH MCBRIDE3 | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $264 | — | $264 | 0.60% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $195 | — | $195 | 0.45% |
| STEVEN P MOORE3 Filed as: STEVEN MOORE | 4749 GRIFFITT BEND RD TALLADEGA, AL 35160 | AFLAC | $166 | — | $166 | 0.38% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 327 S WALNUT ST FLORENCE, AL 35630 | AFLAC | $151 | $7 | $158 | 0.36% |
| GIOVANNA GONZALEZ3 | 8400 VETERANS PKWY APT 1813 COLUMBUS, GA 31909 | AFLAC | $151 | — | $151 | 0.35% |
| MICHAEL SHANE KIRKLAND3 | 327 S WALNUT ST SW FLORENCE, AA 35830 | AFLAC | $96 | $7 | $103 | 0.24% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $91 | — | $91 | 0.21% |
| JASON L WEEKS3 | 620 STONEGLEN DRIVE SUITE L KELLER, KY 76248 | AFLAC | $32 | — | $32 | 0.07% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DR APT 1B TUSCALOOSA, AL 35401 | AFLAC | $30 | — | $30 | 0.07% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $29 | — | $29 | 0.07% |
| MARY ALISON SMITH3 | 52 POINT OF VW PADUCAH, KY 42001 | AFLAC | $27 | — | $27 | 0.06% |
| RANDALL TANNER3 | 910 WARREN AVE TUSCUMBIA, AL 35674 | AFLAC | $26 | — | $26 | 0.06% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 254 SEVILLE ST STE A FLORENCE, AL 35630 | AFLAC | $25 | — | $25 | 0.06% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $22 | — | $22 | 0.05% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $21 | — | $21 | 0.05% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $21 | — | $21 | 0.05% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $20 | — | $20 | 0.05% |
| MARVIN D HOLLEY3 Filed as: MARVIN DWIGHT HOLLEY | 7610 DR KENNEDY DR FLORENCE, AL 35634 | AFLAC | $18 | — | $18 | 0.04% |
| JASON L WEEKS3 | 204 S MAIN ST STE 240 KELLER, TX 76248 | AFLAC | $16 | — | $16 | 0.04% |
| GREGORY REYNOLDS3 | 201 BRIARWOOD DR KILLEN, AL 35645 | AFLAC | $16 | — | $16 | 0.04% |
| KEITH A PHILLIPS3 | 312 E ROOSEVELT AVE MUSCLE SHOALS, AL 35661 | AFLAC | $13 | — | $13 | 0.03% |
| JEANNE T SCHWAB3 | 2655 MIDDLE RD DAVENPORT, IA 52803 | AFLAC | $12 | — | $12 | 0.03% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $9 | — | $9 | 0.02% |
| TINA M LASSUY3 | 3021 45TH ST MOLINE, IL 61265 | AFLAC | $7 | — | $7 | 0.02% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MIC COOL JUNCTION, NE 68401 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES THOMAS ELDRIDGE3 | 800 GREEN T LK W HERNANDO, MS 38632 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN D LASSUY3 | 4544 3RD STREET MOLINE, IL 61265 | AFLAC | $3 | — | $3 | 0.01% |
| ELIZABETH M GASPAROVIC3 | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $3 | — | $3 | 0.01% |
| D AND V BUTLER INC3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $1 | — | $1 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTOGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $1 | — | $1 | 0.00% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $0 | — | $0 | 0.00% |
| MICHAEL HUNTER3 | P.O. BOX 2826 MUSCLE SHOALS, AL 356622826 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $129K |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 49 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 120 | $113K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 120 | $113K |
| Stop-loss / reinsurancereinsurance | LLOYDS | 114 | $134K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 120 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.