| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 191 BEARDSLEY CT MUSCLE SHOALS, AL 35661 | GUARDIAN | $13K | $5K | $18K | 13.86% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $3K | $125 | $3K | 7.49% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $1K | — | $1K | 3.10% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $674 | — | $674 | 1.79% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 327 S WALNUT STREET FLORENCE, AL 35630 | AFLAC | $490 | $25 | $515 | 1.36% |
| MICHAEL SHANE KIRKLAND3 | 327 S WALNUT STREET FLORENCE, AL 35630 | AFLAC | $344 | $25 | $369 | 0.98% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $355 | — | $355 | 0.94% |
| FELICIA WEAR3 | 89 CEDARBEND DR FLORENCE, AL 35634 | AFLAC | $290 | — | $290 | 0.77% |
| JOSEPH MCBRIDE3 | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $172 | — | $172 | 0.46% |
| JASON L WEEKS3 | 204 S MAIN STREET SUITE 120 130 KELLER, TX 76248 | AFLAC | $95 | — | $95 | 0.25% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $92 | — | $92 | 0.24% |
| CARA G FRETWELL3 Filed as: CARA FRETWELL | 604 E FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $87 | — | $87 | 0.23% |
| GIBBS MORGAN3 | 30 HARMON HTS CENTREVILLE, AL 35042 | AFLAC | $60 | — | $60 | 0.16% |
| JEAN S MAY3 Filed as: JEAN MAY | 505 BAINBRIDGE RD MUSCLE SHOALS, AL 35661 | AFLAC | $56 | — | $56 | 0.15% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $37 | — | $37 | 0.10% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $26 | — | $26 | 0.07% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $16 | — | $16 | 0.04% |
| RALPH H KEELER3 Filed as: RALPH MANN | 254 SEVILLE ST STE A FLORENCE, AL 35630 | AFLAC | $14 | — | $14 | 0.04% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $12 | — | $12 | 0.03% |
| WAYNE D HESTER3 | 10330 HWY 43 RUSSELLVILLE, AL 35653 | AFLAC | $6 | — | $6 | 0.02% |
| STEVEN L MOORE3 | 8336 BRITTANY PL MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.01% |
| FLOYD GREGORY NAPPS3 Filed as: FLOYD NAPPS | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $4 | — | $4 | 0.01% |
| REX L BROOKS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PKWY 2B MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $414 | — | $414 | 7.48% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | $6 | $300 | 5.42% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $13 | $27 | 0.49% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 264 | $924K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 264 | $924K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 264 | $924K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.