| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 2415 ROSEDALE, STE G MUSCLE SHOALS, AL 35661 | HARTFORD LIFE AND ACCIDENT | $11K | $335 | $12K | 10.30% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $5K | $53 | $5K | 8.97% |
| MARILYN HUNTER3 Filed as: MARILYN D HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $1K | — | $1K | 2.28% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL S KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $658 | $11 | $669 | 1.31% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $405 | — | $405 | 0.80% |
| SAIC INC3 Filed as: SAIC, INC. | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $394 | — | $394 | 0.77% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS, INC. | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $367 | — | $367 | 0.72% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DR COLUMBUS, GA 31904 | AFLAC | $320 | — | $320 | 0.63% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E PUPEK, JR. | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $290 | $7 | $297 | 0.58% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $280 | — | $280 | 0.55% |
| FLOYD GREGORY NAPPS3 Filed as: FLOYD G NAPPS | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $199 | — | $199 | 0.39% |
| STEVEN L MOORE3 | 4749 GRIFFITT BEND RD TALLADEGA, AL 35160 | AFLAC | $169 | — | $169 | 0.33% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $130 | — | $130 | 0.26% |
| JASON L WEEKS3 | 620 STONEGLEN DR, STE L KELLER, TX 76248 | AFLAC | $41 | — | $41 | 0.08% |
| MARY ALISON SMITH3 Filed as: MARY A SMITH | 52 POINT OF VW PADUCAH, KY 42001 | AFLAC | $36 | — | $36 | 0.07% |
| RANDALL TANNER3 | 910 WARREN AVE TUSCUMBIA, AL 35674 | AFLAC | $34 | — | $34 | 0.07% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $31 | — | $31 | 0.06% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $27 | — | $27 | 0.05% |
| GREGORY REYNOLDS3 | 201 BRIARWOOD DR KILLEN, AL 35645 | AFLAC | $27 | — | $27 | 0.05% |
| MARVIN D HOLLEY3 | 7610 DE KENNEDY DR FLORENCE, AL 35634 | AFLAC | $24 | — | $24 | 0.05% |
| CARA G FRETWELL3 | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $23 | — | $23 | 0.05% |
| GIBBS MORGAN3 | PO BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $23 | — | $23 | 0.05% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $21 | — | $21 | 0.04% |
| JOHN TODD LEE3 Filed as: JOHN T LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $21 | — | $21 | 0.04% |
| BRIAN E HICKS3 | 188 FRONT ST, STE 11639 FRANKLIN, TN 37064 | AFLAC | $20 | — | $20 | 0.04% |
| KEITH A PHILLIPS3 | 1224 SORRENTO RD FLORENCE, AL 35630 | AFLAC | $18 | — | $18 | 0.04% |
| JEANNE T SCHWAB3 | 2655 MIDDLE RD DAVENPORT, IA 52803 | AFLAC | $16 | — | $16 | 0.03% |
| SUZETTE GOULD3 | 1245 SOUTHRIDGE CT, STE 107 HURST, TX 76053 | AFLAC | $13 | $3 | $16 | 0.03% |
| JOY GRUBE PADGELEK3 Filed as: JOY G PADGELEK | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $12 | — | $12 | 0.02% |
| TINA M LASSUY3 | 3021 45TH ST MOLINE, IL 61265 | AFLAC | $9 | — | $9 | 0.02% |
| THOMAS E SHEFFIELD3 | PO BOX 151 MC COOL JUNCTION, NE 68401 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES THOMAS ELDRIDGE3 Filed as: JAMES T ELDRIDGE | 800 GREEN T LK W HERNANDO, MS 38632 | AFLAC | $6 | — | $6 | 0.01% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE H MOORE | 8650 MINNIE BROWN RD, STE 150 MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN D LASSUY3 | 4544 3RD ST MOLINE, IL 61265 | AFLAC | $4 | — | $4 | 0.01% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 61265 | AFLAC | $3 | — | $3 | 0.01% |
| D AND V BUTLER INC3 Filed as: D AND V BUTLER, INC. | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PKWY, STE B-2 MIDLAND, GA 31820 | AFLAC | $2 | — | $2 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON, JR. | 236 HAVERSHAM RD DELTONA, FL 32725 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATION | Claims processing Service code 12 | — | $122K |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 51 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 115 | $112K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 115 | $112K |
| Stop-loss / reinsurancereinsurance | LLOYDS | 106 | $172K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 115 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.