| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | 2415 ROSEDALE, SUITE G MUSCLE SHOALS, AL 35661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $6K | $17K | 14.61% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $1K | $63 | $1K | 5.13% |
| MARILYN HUNTER3 Filed as: MARILYN D. HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $902 | $0 | $902 | 3.10% |
| MJ INSURANCE3 Filed as: JOSEPH PUPEK JR. AND VARIOUS AGENTS | 325 LOBLOLLY DRIVE BONAIRE, GA 31005 | AFLAC | $783 | $14 | $797 | 2.74% |
| SAIC INC3 Filed as: SAIC INC. | 1639 BRADLEY PARK DRIVE, SUITE 500 COLUMBUS, GA 31904 | AFLAC | $458 | $0 | $458 | 1.57% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS INC. | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $279 | $0 | $279 | 0.96% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $234 | $19 | $253 | 0.87% |
| CARA G FRETWELL3 Filed as: CARA G. FRETWELL | 604 FORD AVENUE MUSCLE SHOALS, AL 35661 | AFLAC | $196 | $19 | $215 | 0.74% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $2K | $116 | $2K | 9.10% |
| SUZETTE GOULD3 Filed as: SUZETTE GOULD AND OTHER AGENTS | 7924 CLEAR BROOK CIRCLE FORT WORTH, TX 76123 | AFLAC | $502 | $12 | $514 | 2.49% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $356 | $30 | $386 | 1.87% |
| CARA G FRETWELL3 Filed as: CARA G. FRETWELL | 604 FORD AEVENUE MUSCLE SHOALS, AL 35661 | AFLAC | $197 | $36 | $233 | 1.13% |
| MARILYN HUNTER3 Filed as: MARILYN D. HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $130 | $0 | $130 | 0.63% |
| SAIC INC3 Filed as: SAIC INC. | 1639 BRADLEY PARK DRIVE, SUITE 500 COLUMBUS, GA 31904 | AFLAC | $122 | — | $122 | 0.59% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E. PUPEK JR. | 325 LOBLOLLY DRIVE BONAIRE, GA 31005 | AFLAC | $106 | — | $106 | 0.51% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $716 | $0 | $716 | 9.05% |
| DONNIE HILL LLC3 Filed as: DONNIE HILL, LLC | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $435 | $46 | $481 | 6.08% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $4 | $37 | 0.47% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE AND ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.20% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 248 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $118K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $118K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $118K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $118K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 248 | $1.1M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
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.