| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BENEFIT STRATEGIES | PO BOX 16109 HUNTSVILLE, AL 35802 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.04% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED FINANCIAL CONCEPTS INC | 96 SCENIC DRIVE HUNTSVILLE, AL 35801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 17.37% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.46% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES H JOBE | 1501 OLD MONROVIA RD NW APT 13001 HUNTSVILLE, AL 35806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.31% |
| ANGELA K DOWDY3 | 2141 ROHRER ROAD MAYFIELD, KY 42066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.16% |
| MEALNIE C KOONTZ3 | 3535 S BALL ST APT 529 ARLINGTON, VA 22202 | AFLAC | $91 | — | $91 | 2.93% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $79 | — | $79 | 2.54% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $61 | — | $61 | 1.96% |
| 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 TRAIL 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% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $12 | — | $12 | 0.39% |
| SCOTTY D STOUT3 | 13 EMMA MAY DR FAYETTEVILLE, TN 37334 | AFLAC | $7 | — | $7 | 0.23% |
| BRIAN E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.03% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.03% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.03% |
| REID RICHARD SUTTON3 Filed as: REID WEBSTER | 139 DEATON ROAD LACEYS SPRING, AL 35754 | AFLAC | $1 | — | $1 | 0.03% |
| MATT STEINHAUER III3 | 100 YORKSHIRE 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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALABAMA LOCAL GOVERNMENT HEALTH INSURANCE PLAN | 274 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $97K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $97K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 84 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.