| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY H HEPLER3 Filed as: HARRY H. HEPLER | PO BOX 16109 HUNTSVILLE, AL 35802 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $10K | 12.73% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED FINANCIAL CONCEPTS INC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 37.05% |
| RONALD E KIRKLAND3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.18% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES H JOBE | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.85% |
| MEALNIE C KOONTZ3 | — | AFLAC | $83 | $0 | $83 | 2.78% |
| CULLEN SMITH & ASSOCIATES INC3 | — | AFLAC | $72 | $0 | $72 | 2.41% |
| SAIC INC3 | — | AFLAC | $56 | $0 | $56 | 1.87% |
| DIXIE A SMITH3 | — | AFLAC | $33 | $0 | $33 | 1.10% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R & L SUPPLEMENTAL BENEFITS INC | — | AFLAC | $31 | $0 | $31 | 1.04% |
| ERIN C TOMLINSON3 | — | AFLAC | $24 | $0 | $24 | 0.80% |
| LARRY E SHARP3 | — | AFLAC | $23 | $0 | $23 | 0.77% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS S BRALY | — | AFLAC | $22 | $0 | $22 | 0.74% |
| RONALD H RICHEY3 | — | AFLAC | $11 | $0 | $11 | 0.37% |
| SCOTTY D STOUT3 | — | AFLAC | $6 | $0 | $6 | 0.20% |
| REID RICHARD SUTTON3 Filed as: REID WEBSTER | — | AFLAC | $6 | $0 | $6 | 0.20% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | — | AFLAC | $3 | $0 | $3 | 0.10% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | — | AFLAC | $3 | $0 | $3 | 0.10% |
| REX L BROOKS3 | — | AFLAC | $3 | $0 | $3 | 0.10% |
| JEFFRY A WILSON SR3 | — | AFLAC | $2 | $0 | $2 | 0.07% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $1 | $0 | $1 | 0.03% |
| JOHN TODD LEE3 | — | AFLAC | $1 | — | $1 | 0.03% |
| STAN A SHERLIN3 | — | AFLAC | $1 | $0 | $1 | 0.03% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALABAMA LOCAL GOVERNMENT HEALTH INSURANCE PLAN | 192 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $75K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $75K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 61 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.