| 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 | $12K | — | $12K | 10.00% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $3K | $249 | $3K | 6.90% |
| MARILYN HUNTER3 Filed as: MARILYN D HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $1K | — | $1K | 2.16% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL S KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $594 | $50 | $644 | 1.29% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DR COLUMBUS, GA 31904 | AFLAC | $637 | — | $637 | 1.28% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS, INC. | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $334 | — | $334 | 0.67% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E PUPEK, JR. | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $279 | — | $279 | 0.56% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $154 | $46 | $200 | 0.40% |
| FLOYD GREGORY NAPPS3 Filed as: FLOYD G NAPPS | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $166 | — | $166 | 0.33% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $158 | — | $158 | 0.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $145 | — | $145 | 0.29% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $127 | — | $127 | 0.25% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $123 | — | $123 | 0.25% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $89 | — | $89 | 0.18% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | 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% |
| GIBBS MORGAN3 | PO BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $23 | — | $23 | 0.05% |
| JASON L WEEKS3 | 620 STONEGLEN DR, STE L KELLER, TX 76248 | AFLAC | $20 | — | $20 | 0.04% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $19 | — | $19 | 0.04% |
| JOHN TODD LEE3 Filed as: JOHN T LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $19 | — | $19 | 0.04% |
| BRIAN E HICKS3 | 1327 JEWELL AVE FRANKLIN, TN 37064 | AFLAC | $18 | — | $18 | 0.04% |
| KEITH A PHILLIPS3 | 1224 SORRENTO RD FLORENCE, AL 35630 | AFLAC | $18 | — | $18 | 0.04% |
| MARVIN D HOLLEY3 | 7610 DE KENNEDY DR FLORENCE, AL 35634 | AFLAC | $16 | — | $16 | 0.03% |
| JEANNE T SCHWAB3 | 2655 MIDDLE RD DAVENPORT, IA 52803 | AFLAC | $16 | — | $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 | $5 | — | $5 | 0.01% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 61265 | AFLAC | $3 | — | $3 | 0.01% |
| CARA G FRETWELL3 | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $2 | — | $2 | 0.00% |
| 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% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | VISION SERVICE PLAN | $2K | — | $2K | 10.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATION | Claims processing Service code 12 | — | $130K |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 60 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 113 | $115K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 113 | $115K |
| Stop-loss / reinsurancereinsurance | LLOYDS | 106 | $196K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 113 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.