| 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 | $11K | $981 | $12K | 9.63% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $2K | $89 | $2K | 8.02% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $1K | $0 | $1K | 3.85% |
| R&L SUPP. BEN. INC AND OTHER AGENTS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $611 | $0 | $611 | 2.34% |
| SAIC INC3 Filed as: SAIC INC. | 1639 BRADLEY PARK DRIVE, SUITE 500 COLUMBUS, GA 31904 | AFLAC | $398 | $0 | $398 | 1.52% |
| CARA G FRETWELL3 Filed as: CARA FRETWELL | 604 FORD AVENUE MUSCLE SHOALS, AL 35661 | AFLAC | $388 | $9 | $397 | 1.52% |
| JAMES ZOMBRO3 | 625 COUNTRY ROAD 106 FLORENCE, AL 35633 | AFLAC | $296 | $23 | $319 | 1.22% |
| STEVE C BRANNON3 Filed as: STEVE BRANNON | 2812 BURNINGTREE MOUNTAIN ROAD SE DECATUR, AL 35603 | AFLAC | $314 | $0 | $314 | 1.20% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $922 | $26 | $948 | 5.65% |
| MJ INSURANCE3 Filed as: JOSEPH MCBRIDE AND VARIOUS AGENTS | 121 DALTON LANE TUSCUMBIA, AL 35674 | AFLAC | $512 | $12 | $524 | 3.12% |
| STEVEN P MOORE3 Filed as: STEVEN MOORE | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $180 | $0 | $180 | 1.07% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $174 | $0 | $174 | 1.04% |
| SAIC INC3 Filed as: SAIC INC. | 1639 BRADLEY PARK DRIVE, SUITE 500 COLUMBUS, GA 31904 | AFLAC | $127 | $0 | $127 | 0.76% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $81 | $0 | $81 | 0.48% |
| CARA G FRETWELL3 Filed as: CARA FRETWELL | 604 FORD AVENUE MUSCLE SHOALS, AL 35661 | AFLAC | $74 | $0 | $74 | 0.44% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $578 | $0 | $578 | 9.61% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $375 | $47 | $422 | 7.02% |
| 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% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.12% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 240 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $123K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $123K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $123K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $123K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 240 | $1.3M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.