| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 191 BEARDSLEY CT MUSCLE SHOALS, AL 35661 | GUARDIAN | $20K | $9K | $29K | 14.03% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 191 BEARDSLEY CT MUSCLE SHOALS, AL 35661 | GUARDIAN | $10K | $7K | $16K | 13.91% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | DELTA DENTAL | $3K | — | $3K | 3.55% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $4K | $69 | $4K | 7.87% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $2K | — | $2K | 3.77% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $1K | $12 | $1K | 2.22% |
| JOSEPH MCBRIDE3 | 1121 N WOOD AVE FLORENCE, AL 35630 | AFLAC | $434 | $14 | $448 | 0.90% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $434 | — | $434 | 0.87% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $260 | — | $260 | 0.52% |
| MICHAEL SHANE KIRKLAND3 | 327 S WALNUT STREET FLORENCE, AL 35630 | AFLAC | $249 | — | $249 | 0.50% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $159 | $3 | $162 | 0.32% |
| JASON L WEEKS3 Filed as: JASON WEEKS | 204 S MAIN ST SUITE 120 KELLER, TX 76248 | AFLAC | $137 | $10 | $147 | 0.29% |
| JOSEPH E PUPEK JR3 | 327 WALNUT ST FLORENCE, AL 35630 | AFLAC | $124 | — | $124 | 0.25% |
| CARA G FRETWELL3 | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $98 | — | $98 | 0.20% |
| DAVID FARRIS3 | 24766 DOGWOOD DR ELKMONT, AL 35620 | AFLAC | $87 | — | $87 | 0.17% |
| RALPH H KEELER3 Filed as: RALPH MANN | 254 SEVILLW ST STE A FLORENCE, AL 35630 | AFLAC | $83 | — | $83 | 0.17% |
| GIBBS MORGAN3 | 30 HARMON HTS CENTREVILLE, AL 35042 | AFLAC | $79 | — | $79 | 0.16% |
| JAMES L HAYES3 Filed as: JAMES HAYES | PO BOX 804 WILLIAMSBURG, IA 52361 | AFLAC | $58 | — | $58 | 0.12% |
| SHARON SUTIS3 | 4059 S BUNO ROAD BRIGHTON, MI 48114 | AFLAC | $47 | — | $47 | 0.09% |
| CNL ENTERPRISES INC3 Filed as: CNL ENTERPRISES | PO BOX 2746 FLORENCE, AL 35630 | AFLAC | $43 | — | $43 | 0.09% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 2732 SPIRIT ROCK TRL RENO, NV 89511 | AFLAC | $38 | — | $38 | 0.08% |
| BETTY SCHOTT3 | 2454 CASCADE LN IOWA CITY, IA 52246 | AFLAC | $24 | — | $24 | 0.05% |
| CONSUMER SYSTEMS INC3 | PO BOX 9063 CEDAR RAPIDS, IA 52409 | AFLAC | $16 | — | $16 | 0.03% |
| JERALD DEE LEWARK3 Filed as: JERALD LEWARK | 6796 SCOTER DR MIDLAND, GA 31820 | AFLAC | $14 | — | $14 | 0.03% |
| JASON L WEEKS3 Filed as: JASON WEEKS | 201 EASTSIDE SQ STE 10 HUNTSVILLE, AL 35801 | AFLAC | $11 | — | $11 | 0.02% |
| JERALD DEE LEWARK3 | 6796 SCOTER DR MIDLAND, GA 31820 | AFLAC | $11 | — | $11 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $9 | — | $9 | 0.02% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $8 | — | $8 | 0.02% |
| JOHN L BENN3 | 993 LISMORE DRIVE COLUMBUS, GA 31904 | AFLAC | $8 | — | $8 | 0.02% |
| MITCHELL J MCCALL3 Filed as: MITCHELL MCCALL | 6336 IVANHOE LN BEAUMONT, TX 77706 | AFLAC | $7 | — | $7 | 0.01% |
| EILEEN MARIE STILLWELL3 | 3252 MARICOPA DR COLUMBUS, GA 31907 | AFLAC | $7 | — | $7 | 0.01% |
| JOHN E CARTER III3 | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $7 | — | $7 | 0.01% |
| WILLIAM L AMOS III3 | 6801 RIVER RD SUITE 205 COLUMBUS, GA 31904 | AFLAC | $7 | — | $7 | 0.01% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $5 | — | $5 | 0.01% |
| GRAZIA H MILSTEAD3 | PO BOX 730 SHEFFIELD, AL 35660 | AFLAC | $4 | — | $4 | 0.01% |
| KEITH A PHILLIPS3 Filed as: KEITH PHILLIPS | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $3 | — | $3 | 0.01% |
| RHONDA S PAPE3 Filed as: RHONDA LOWERY | 522 ALABAMA STREET KILLEN, AL 35645 | AFLAC | — | — | $0 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | — | — | $0 | 0.00% |
| CHARLES K LOWERY3 Filed as: CHARLES LOWERY | 522 ALABAMA STREET KILLEN, AL 35645 | AFLAC | — | — | $0 | 0.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS INSURANCE INC | 465 NORTHLAND AVE NE SUITE 201 CEDAR RAPIDS, IA 52402 | AFLAC | — | — | $0 | 0.00% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | — | — | $0 | 0.00% |
| THE TODD GROUP3 | 808 E 18TH STREET CEDAR FALLS, IA 50613 | AFLAC | — | — | $0 | 0.00% |
| JEANETTE MCCARTY3 | 3094 DEERFIELD DR NE SWISHER, IA 52338 | AFLAC | — | — | $0 | 0.00% |
| KIMBERLY A BENESH3 Filed as: KIMBERLY BENESH | PO BOX 337 ALBURNETT, IA 52202 | AFLAC | — | — | $0 | 0.00% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | — | — | $0 | 0.00% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 191 BEARDSLEY COURT MUSCLE SHOALS, AL 35661 | GUARDIAN | $5K | $1K | $6K | 15.46% |
| THE MATHIS-HILL-ROBERTSON AGENCY | 5040 ROSWELL RD SUITE 100 ATLANTA, GA 30342 | GUARDIAN | $253 | — | $253 | 0.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 | Plan Administrator Service code 14 | 450 RIVERCHASE PARKWAY EA BIRMINGHAM, AL 35298 | $287K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | GUARDIAN | 241 | $323K |
| Life insurance(3 contracts) | GUARDIAN | 241 | $362K |
| Short-term disability(3 contracts) | GUARDIAN | 241 | $362K |
| Long-term disability(3 contracts) | GUARDIAN | 241 | $362K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 241 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.