| 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 | $16K | — | $16K | 9.51% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $2K | $37 | $2K | 7.22% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $961 | — | $961 | 2.80% |
| CARA G FRETWELL3 Filed as: CARA FRETWELL | 604 E FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $452 | $16 | $468 | 1.36% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $395 | $10 | $405 | 1.18% |
| SAIC INC | 1639 BRADLEY PARK DR STE 500 COLUMBUS, GA 31904 | AFLAC | $324 | — | $324 | 0.94% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $298 | — | $298 | 0.87% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $231 | — | $231 | 0.67% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $178 | $2 | $180 | 0.52% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $175 | — | $175 | 0.51% |
| JOSEPH MCBRIDE3 | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $113 | — | $113 | 0.33% |
| FELICIA WEAR3 | 89 CEDARBEND DR FLORENCE, AL 35634 | AFLAC | $66 | — | $66 | 0.19% |
| JEAN S MAY3 | 505 BAINBRIDGE RD MUSCLE SHOALS, AL 35661 | AFLAC | $55 | — | $55 | 0.16% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $52 | — | $52 | 0.15% |
| JASON L WEEKS3 | 620 STONEGLEN DR STE L KELLER, TX 76248 | AFLAC | $51 | — | $51 | 0.15% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $36 | — | $36 | 0.10% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 11639 FRANKLIN, TN 37064 | AFLAC | $22 | — | $22 | 0.06% |
| LAUREN S GREENE3 | 436D CO RD 57 DENNIS, MS 38838 | AFLAC | $19 | — | $19 | 0.06% |
| GIBBS MORGAN3 | PO BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $17 | — | $17 | 0.05% |
| SUZETTE GOULD3 | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $13 | — | $13 | 0.04% |
| SUZETTE GOULD3 | 1245 SOUTHRIDGE CT STE 107 HURST, TX 76053 | AFLAC | $8 | $4 | $12 | 0.03% |
| BRIAN G MANN3 | 76 RIVER COVE DR ALEXANDER CITY, AL 35010 | AFLAC | $11 | — | $11 | 0.03% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $9 | — | $9 | 0.03% |
| CNL ENTERPRISES INC3 | 278 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $9 | — | $9 | 0.03% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: CHARNETTE L WILLIS | 622 W WORTHINGTON ST TUSCUMBIA, AL 35674 | AFLAC | $5 | — | $5 | 0.01% |
| EMPLOYER BENEFITS MANAGEMENT INC3 | 201 S COURT ST STE 700 FLORENCE, AL 35630 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTOPHER S HARDY3 | 113 CLARK ST STE 3 TUPELO, MS 38804 | AFLAC | $3 | — | $3 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 CO RD 106 FLORENCE, AL 35633 | AFLAC | $2 | — | $2 | 0.01% |
| BILLY W MANN3 | 1157 SMYRNA RD GOODWATER, AL 35072 | AFLAC | $2 | — | $2 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY 2B MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $1 | — | $1 | 0.00% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 13.98% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $677 | $348 | $1K | 11.32% |
| TODD BOOZER3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $10 | $58 | 0.64% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $6 | $31 | 0.34% |
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 | 277 | 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) | 277 | 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 | 277 | $1.0M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 277 | $990K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 277 | $990K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.