| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY H HEPLER3 Filed as: HARRY HERBERT HEPLER | PO BOX 6087 HUNTSVILLE, AL 35813 | 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 | — | $4K | 15.06% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PL SE GURLEY, AL 35748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.51% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES H JOBE | 1501 OLD MONROVIA ROAD NW APT 13001 HUNTSVILLE, AL 35806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.36% |
| ANGELA K DOWDY3 | 2141 ROHRER ROAD MAYFIELD, KY 42066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.19% |
| MEALNIE C KOONTZ3 | 3535 S BALL ST APT 529 ARLINGTON, VA 22202 | AFLAC | $90 | — | $90 | 2.90% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $61 | — | $61 | 1.96% |
| CULLEN SMITH & ASSOCIATES INC3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $59 | — | $59 | 1.90% |
| DIXIE A SMITH3 | 114 MAIN AVE N FAYETTEVILLE, TN 37334 | AFLAC | $36 | — | $36 | 1.16% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R & L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $34 | — | $34 | 1.09% |
| ERIN C TOMLINSON3 | 109 MOONGLOW TRL HUNTSVILLE, AL 35806 | AFLAC | $26 | — | $26 | 0.84% |
| LARRY E SHARP3 | 1307 BIG COVE RD SE HUNTSVILLE, AL 35801 | AFLAC | $25 | — | $25 | 0.80% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $25 | — | $25 | 0.80% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $13 | — | $13 | 0.42% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $12 | — | $12 | 0.39% |
| SCOTTY D STOUT3 | 13 EMMA MAY DR FAYETTEVILLE, TN 37334 | AFLAC | $7 | — | $7 | 0.23% |
| LOUIS CULLEN SMITH3 | 316 8TH AVE NE DECATUR, AL 35601 | AFLAC | $7 | — | $7 | 0.23% |
| REID RICHARD SUTTON3 Filed as: REID WEBSTER | 139 DEATON RD LACEYS SPRING, AL 35754 | AFLAC | $6 | — | $6 | 0.19% |
| BRIAN E HICKS3 | 188 FRONT STREET, STE 116 39 FRANKLIN, TN 37064 | AFLAC | $2 | — | $2 | 0.06% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $2 | — | $2 | 0.06% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.03% |
| MATT STEINHAUER III3 | 100 YORKSHEIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $1 | — | $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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALABAMA LOCAL GOVERNMENT HEALTH INSURANCE PLAN | 228 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 258 | $81K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 258 | $81K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 71 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.