| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | THE HUNTER BENEFITS GROUP 2415 ROSEDALE STE G MUSCLE SHOALS, AL 35661 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 10.00% |
| MICHAEL HUNTER3 | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $2K | $146 | $2K | 5.11% |
| MARILYN HUNTER3 | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $885 | — | $885 | 2.65% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $558 | — | $558 | 1.67% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 343 FAIRWAYS DR MACON, GA 31220 | AFLAC | $281 | $29 | $310 | 0.93% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | P.O. BOX 893 FLORENCE, AL 35631 | AFLAC | $286 | — | $286 | 0.86% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $185 | $29 | $214 | 0.64% |
| JOSEPH MCBRIDE3 | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $203 | — | $203 | 0.61% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $159 | — | $159 | 0.48% |
| STEVEN P MOORE3 Filed as: STEVEN MOORE | 4749 GRIFFITT BEND RD TALLADEGA, AL 35160 | AFLAC | $127 | — | $127 | 0.38% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $95 | — | $95 | 0.28% |
| GIOVANNA GONZALEZ3 | 8400 VETERANS PKWY APT 1813 COLUMBUS, GA 31909 | AFLAC | $84 | — | $84 | 0.25% |
| JASON L WEEKS3 | 620 STONEGLEN DRIVE SUITE L KELLER, TX 76248 | AFLAC | $37 | — | $37 | 0.11% |
| RANDALL TANNER3 | 910 WARREN AVE TUSCUMBIA, AL 35674 | AFLAC | $27 | — | $27 | 0.08% |
| MARY ALISON SMITH3 | 52 POINT OF VW PADUCAH, KY 42001 | AFLAC | $27 | — | $27 | 0.08% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 254 SEVILLE ST STE A FLORENCE, AL 35630 | AFLAC | $23 | — | $23 | 0.07% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $20 | — | $20 | 0.06% |
| GREGORY REYNOLDS3 | 201 BRIARWOOD DR KILLEN, AL 35645 | AFLAC | $20 | — | $20 | 0.06% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $16 | — | $16 | 0.05% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $16 | — | $16 | 0.05% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 11639 FRANKLIN, TN 37064 | AFLAC | $16 | — | $16 | 0.05% |
| SUZETTE GOULD3 | 327 S WALNUT ST FLORENCE, AL 35630 | AFLAC | $15 | — | $15 | 0.04% |
| JEANNE T SCHWAB3 | 2655 MIDDLE RD DAVENPORT, IA 52803 | AFLAC | $12 | — | $12 | 0.04% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DR APT 1B TUSCALOOSA, AL 35401 | AFLAC | $11 | — | $11 | 0.03% |
| KEITH A PHILLIPS3 | 312 E ROOSEVELT AVE MUSCLE SHOALS, AL 35661 | AFLAC | $10 | — | $10 | 0.03% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $9 | — | $9 | 0.03% |
| MARVIN D HOLLEY3 Filed as: MARVIN DWIGHT HOLLEY | 7610 DR KENNEDY DR FLORENCE, AL 35634 | AFLAC | $9 | — | $9 | 0.03% |
| TINA M LASSUY3 | 3021 45TH ST MOLINE, IL 61265 | AFLAC | $7 | — | $7 | 0.02% |
| SUZETTE GOULD3 | 1245 SOUTHRIDGE CT STE 107 HURST, TX 76053 | AFLAC | $6 | — | $6 | 0.02% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MC 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% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN D LASSUY3 | 4544 3RD STREET MOLINE, IL 61265 | AFLAC | $3 | — | $3 | 0.01% |
| SUZETTE GOULD3 | 6216 TRUMAN ALDRICH PKWY WEST BLOCTON, AL 35184 | AFLAC | $3 | — | $3 | 0.01% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $3 | — | $3 | 0.01% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, MS 31820 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE CT 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 | $1 | — | $1 | 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 | — | $113K |
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 | 108 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 46 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 117 | $111K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $111K |
| Stop-loss / reinsurancereinsurance | LLOYDS | 109 | $151K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 117 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.