| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY H HEPLER3 Filed as: HARRY H. HEPLER | 96 SCENIC DRIVE HUNTSVILLE, AL 35801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED FINANCIAL CONCEPTS INC | 96 SCENIC DRIVE HUNTSVILLE, AL 35801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 45.97% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PL SE GURLEY, AL 35748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $501 | $0 | $501 | 6.27% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES H JOBE | 1501 OLD MONROVIA RD NW APT 13001 HUNTSVILLE, AL 35806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $455 | $0 | $455 | 5.70% |
| CULLEN SMITH & ASSOCIATES INC3 | 2764 RISING MEADOW DRIVE AKRON, OH 44333 | AFLAC | $88 | $0 | $88 | 2.25% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $86 | $0 | $86 | 2.20% |
| MEALNIE C KOONTZ3 | 3535 S BALL ST APT 529 ARLINGTON, VA 22202 | AFLAC | $85 | $0 | $85 | 2.18% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $79 | $0 | $79 | 2.02% |
| ERIN C TOMLINSON3 | 9694 MADISON BLVD STE A9 MADISON, AL 35758 | AFLAC | $51 | $0 | $51 | 1.31% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R & L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $32 | $0 | $32 | 0.82% |
| DIXIE A SMITH3 | 114 MAIN AVE N FAYETTEVILLE, TN 37334 | AFLAC | $30 | $0 | $30 | 0.77% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $21 | $0 | $21 | 0.54% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $10 | $0 | $10 | 0.26% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $8 | $0 | $8 | 0.20% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 13163 BUCKTHORN CT MOBILE, AL 36608 | AFLAC | $8 | $0 | $8 | 0.20% |
| REX L BROOKS3 | P.O. BOX 893 FLORENCE, AL 35631 | AFLAC | $7 | $0 | $7 | 0.18% |
| SCOTTY D STOUT3 | 13 EMMA MAY DR FAYETTEVILLE, TN 37334 | AFLAC | $6 | $0 | $6 | 0.15% |
| JEFFRY A WILSON SR3 | P O BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $5 | $0 | $5 | 0.13% |
| REID RICHARD SUTTON3 Filed as: REID WEBSTER | 139 DEATON RD LACEYS SPRING, AL 35754 | AFLAC | $2 | $0 | $2 | 0.05% |
No Schedule C service providers reported on this filing.
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALABAMA LOCAL GOVERNMENT HEALTH INSURANCE PLAN | 200 | $988K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $77K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $77K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 53 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.