| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $13K | 10.38% |
| HUNTER BENEFITS GROUP LLC3 Filed as: THE HUNTER BENEFITS GROUP | 2415 ROSEDALE, SUITE G MUSCLE SHOALS, AL 35661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.49% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $441 | $0 | $441 | 7.52% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $291 | $27 | $318 | 5.42% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $2 | $20 | 0.34% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE AND ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.22% |
| WAYLAND HARO FUNK3 | 833 NORTH SNOWPRAIRIE ROAD UNION CITY, MI 49094 | AFLAC | $27 | $0 | $27 | 3.20% |
| GERALD THORP AGENCY LLC3 Filed as: GERALD F. THORP | 1813 SUNSET DRIVE CARO, MI 48723 | AFLAC | $23 | $0 | $23 | 2.72% |
| CHARLES ROBERTS3 Filed as: CHARLES W. ROBERTS | W17983 WOLFE ROAD GERMFASK, MI 49836 | AFLAC | $11 | $0 | $11 | 1.30% |
| JEFFREY L. MAURER3 | 4363 PIKE STREET UBLY, MI 48475 | AFLAC | $9 | $0 | $9 | 1.07% |
| MJ INSURANCE3 Filed as: WILLIAM CAMPBELL AND VARIOUS AGENTS | PO BOX 66809 ST PETERSBURG BEACH, FL 33736 | AFLAC | $6 | $0 | $6 | 0.71% |
| ROBERT A. BOWERSOX3 | 26327 NEWCOMBE CIRCLE LEESBURG, FL 34748 | AFLAC | $5 | $0 | $5 | 0.59% |
| DONNA RE TAACK3 | 12305 SOUTH MERRILL ROAD BRANT, MI 48614 | AFLAC | $4 | $0 | $4 | 0.47% |
| CHARLES ROBERTS3 Filed as: CHARLES W. ROBERTS | W17983 WOLFE ROAD GERMFASK, MI 49836 | AFLAC | $32 | $0 | $32 | 13.91% |
| MICHAEL J QUINN3 Filed as: MICHAEL J. QUINN | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $6 | $0 | $6 | 2.61% |
| WILLIAM J CAMPBELL3 Filed as: WILLIAM J. CAMPBELL | PO BOX 66809 ST PETERSBURG BEACH, FL 33736 | AFLAC | $3 | $0 | $3 | 1.30% |
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 | 957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 222 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $130K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $130K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $130K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $130K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 222 | $1.0M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.