| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 2415 ROSEDALE SUITE G MUSCLE SHOALS, AL 35661 | GUARDIAN | $14K | $5K | $19K | 12.91% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $2K | $131 | $2K | 6.23% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $990 | — | $990 | 2.82% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $570 | — | $570 | 1.62% |
| JOSEPH E PUPEK JR3 | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $354 | $34 | $388 | 1.11% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $307 | — | $307 | 0.87% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KLLEN, AL 35645 | AFLAC | $261 | $34 | $295 | 0.84% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $141 | — | $141 | 0.40% |
| FELICIA A WEAR3 | 89 CEDARBEND DR FLORENCE, AL 35634 | AFLAC | $97 | $40 | $137 | 0.39% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $113 | — | $113 | 0.32% |
| CARA G FRETWELL3 | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $87 | — | $87 | 0.25% |
| JASON L WEEKS3 | 620 STONEGLEN DR STE L KELLER, TX 76248 | AFLAC | $75 | — | $75 | 0.21% |
| JEAN S MAY3 | 505 BAINBRIDGE RD MUSCLE SHOALS, AL 35661 | AFLAC | $56 | — | $56 | 0.16% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DR APT 1B TUSCALOOSA, AL 35401 | AFLAC | $34 | — | $34 | 0.10% |
| BRIAN E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $23 | — | $23 | 0.07% |
| SUZETTE GOULD3 | 327 S WALNUT ST FLORENCE, AL 35630 | AFLAC | $15 | — | $15 | 0.04% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $13 | — | $13 | 0.04% |
| SUZETTE GOULD3 | 1245 SOUTHRIDGE CT STE 107 HURST, TX 76053 | AFLAC | $12 | — | $12 | 0.03% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 254 SEVILLE ST STE A FLORENCE, AL 35630 | AFLAC | $12 | — | $12 | 0.03% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $10 | — | $10 | 0.03% |
| SUZETTE GOULD3 | 6216 TRUMAN ALDRICH PLWY WEST BLOCKTON, AL 35184 | AFLAC | $5 | — | $5 | 0.01% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $2 | — | $2 | 0.01% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| LYNN HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $3K | $39 | $3K | 14.34% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $435 | $16 | $451 | 2.48% |
| CARA G FRETWELL3 Filed as: CARA FRETWELL | 604 E FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $324 | $40 | $364 | 2.00% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $201 | $16 | $217 | 1.19% |
| SUZETTE GOULD3 | 1245 SOUTHRIDGE CT STE 107 HURST, TX 76053 | AFLAC | $145 | — | $145 | 0.80% |
| DIXIE A SMITH3 | 1245 SOUTHRIDGE CT STE 107 HURST, TX 37334 | AFLAC | $131 | — | $131 | 0.72% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $129 | — | $129 | 0.71% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $115 | — | $115 | 0.63% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $114 | — | $114 | 0.63% |
| SUZETTE GOULD3 | 6216 TRUMAN ALDRICH PKWY WEST BLOCKTON, AL 35184 | AFLAC | $87 | — | $87 | 0.48% |
| SUZETTE GOULD3 | 327 S WALNUT ST FLORENCE, AL 35630 | AFLAC | $77 | — | $77 | 0.42% |
| JOSEPH MCBRIDE3 | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $73 | — | $73 | 0.40% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $57 | — | $57 | 0.31% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $45 | — | $45 | 0.25% |
| JASON L WEEKS3 | 620 STONEGLEN DR STE L KELLER, TX 76248 | AFLAC | $45 | — | $45 | 0.25% |
| FLOYD GREGORY NAPPS3 Filed as: FLOYD NAPPS | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $44 | — | $44 | 0.24% |
| ABBIE W COFFMAN3 | 31 HQAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $20 | — | $20 | 0.11% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $13 | — | $13 | 0.07% |
| FELICIA WEAR3 | 89 CEDARBEND DR FLORENCE, AL 35634 | AFLAC | $12 | — | $12 | 0.07% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DR APT 1B TUSCALOOSA, AL 35401 | AFLAC | $4 | — | $4 | 0.02% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $4 | — | $4 | 0.02% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.02% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PKWY 2B MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $1 | — | $1 | 0.01% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $819 | $1K | $2K | 24.69% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 17.64% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $112 | $169 | 2.03% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 269 | $1.0M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 269 | $1.0M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 269 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.