| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE INSURANCE RESOURCES INC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $45K | — | $45K | 6.69% |
| WILLIAM VENARD CABLE3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 3.34% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | THE HUNTER BENEFITS GROUP 2415 ROSEDALE SUITE G MUSCLE SHOALS, AL 35661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72K | $10K | $82K | 14.54% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $25K | $2K | $27K | 7.43% |
| MARILYN HUNTER3 Filed as: MARILYN D. HUNTER | P.O, BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $6K | — | $6K | 1.72% |
| CARA G FRETWELL3 Filed as: CARA G. FRETWELL | 604 FORD AVENUE MUSCLE SHOALS, AL 35661 | AFLAC | $5K | $471 | $6K | 1.54% |
| MICHAEL SHANE KIRLAND3 | 137 PLANTATION DRIVE KILLEN, AL 36545 | AFLAC | $5K | $509 | $5K | 1.45% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E. PUPEK, JR. | 326 LOBLOLLY DRIVE BONAIRE, GA 31005 | AFLAC | $4K | $184 | $4K | 1.02% |
| STEVEN L MOORE3 Filed as: STEVEN L. MOORE | 4749 GRIFFITT BEND ROAD TALLADEGA, AL 36160 | AFLAC | $4K | — | $4K | 0.96% |
| SAIC INC3 Filed as: SAIC, INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $3K | — | $3K | 0.85% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $2K | — | $2K | 0.66% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE SUITE 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $2K | — | $2K | 0.61% |
| FELICIA A WEAR3 Filed as: FELICIA A. WEAR | 89 CEDARBEND DRIVE FLORENCE, AL 35634 | AFLAC | $1K | $94 | $1K | 0.40% |
| SUZETTE GOULD3 | 1245 SOUTHRIDGE COURT SUITE 107 HURST, TX 76063 | AFLAC | $1K | $111 | $1K | 0.31% |
| TRINITY BENEFIT SOLUTIONS3 Filed as: TRINITY BENEFIT SOLUTIONIS | 2318 PANSY STREET SW HUNTSVILLE, AL 35801 | AFLAC | $880 | — | $880 | 0.24% |
| CRAIG M GADDY3 Filed as: CRAIG M. GADDY | 405 ROCKY RIDGE ROAD NE JACKSONVILLE, AL 36265 | AFLAC | $513 | — | $513 | 0.14% |
| GIBBS MORGAN3 | P.O. BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $442 | — | $442 | 0.12% |
| JASON L WEEKS3 Filed as: JASON L. WEEKS | 620 STONEGLEN DRIVE SUITE L KELLER, TX 76248 | AFLAC | $428 | — | $428 | 0.12% |
| SUZETTE GOULD3 | 7924 CEDAR BROOK CIRCLE FORT WORTH, TX 76123 | AFLAC | $350 | $75 | $425 | 0.12% |
| ERIN L KIRKLAND3 Filed as: ERIN L. KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $325 | — | $325 | 0.09% |
| STAN A SHERLIN3 Filed as: STAN A. SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $324 | — | $324 | 0.09% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $240 | — | $240 | 0.07% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $230 | — | $230 | 0.06% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $171 | — | $171 | 0.05% |
| CNL ENTERPRISES INC3 Filed as: CNL ENTERPRISES, INC. | P.O. BOX 2746 FLORENCE, AL 35630 | AFLAC | $87 | $33 | $120 | 0.03% |
| WAYNE D HESTER3 Filed as: WAYNE D. HESTER | 10330 HIGHWAY 43 RUSSELLVILLE, AL 35653 | AFLAC | $91 | $22 | $113 | 0.03% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $100 | — | $100 | 0.03% |
| SHELLY R. JAMES3 | 462 2ND AVENUE SUITE B GALLIPOLIS, OH 45631 | AFLAC | $75 | $22 | $97 | 0.03% |
| SHERRIE BUSKIRK3 | 1083 COUNTY ROAD 54 SHANNON, MS 38868 | AFLAC | $88 | — | $88 | 0.02% |
| KRISTY H. BUSKIRK3 | 1015 DOGWOOD CV. NEW ALBANY, MS 38652 | AFLAC | $74 | $13 | $87 | 0.02% |
| CARA PLUMMER-PAXTON3 | 632 1/2 2ND AVENUE GALLIPOLIS, OH 45631 | AFLAC | $58 | $22 | $80 | 0.02% |
| JOHN R BRASEL3 Filed as: JOHN R. BRASEL | 118 ALLYE AVENUE MOOREVILLE, MS 38857 | AFLAC | $55 | $4 | $59 | 0.02% |
| THE CHAPPANO GROUP, LLC3 | 116 WASHINGTON AVENUE LOCKLAND, OH 45215 | AFLAC | $41 | $9 | $50 | 0.01% |
| WILLIAM C ATKINS3 Filed as: WILLIAM C. ATKINS | 123 1/2 EAST MAIN STREET STARKVILLE, MS 39759 | AFLAC | $44 | — | $44 | 0.01% |
| CHRISTY W FISHER3 Filed as: CHRISTY W. FISHER | 1438 WILLOWBROOK DRIVE SALTILLO, MS 38866 | AFLAC | $39 | $4 | $43 | 0.01% |
| GINGER KAYE HARDY3 | 1105 W. JACKSON STREET TUPELO, MS 38604 | AFLAC | $41 | — | $41 | 0.01% |
| JOHN BRADY LAWSON3 | 11451 LANDON DRIVE NORTHPORT, AL 35475 | AFLAC | $40 | — | $40 | 0.01% |
| GRETA L STOCKTON3 Filed as: GRETA L. STOCKTON | 557 CROWN DRIVE FULTON, MS 38843 | AFLAC | $31 | $9 | $40 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: CHARNETTE L. WILLIS | 633 W. WORTHINGTON STREET TUSCUMBIA, AL 35674 | AFLAC | $28 | $7 | $35 | 0.01% |
| KEITH BELICH3 | 2740 CENTRAL PARKWAY MONTGOMERY, AL 36106 | AFLAC | $32 | — | $32 | 0.01% |
| LAUREN S GREENE3 Filed as: LAUREN S. GREENE | 436D COUNTY ROAD 57 DENNIS, MS 38838 | AFLAC | $30 | — | $30 | 0.01% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 254 SEVILLE STREET SUITE A FLORENCE, AL 35630 | AFLAC | $23 | — | $23 | 0.01% |
| CHRISTY W FISHER3 Filed as: CHRISTY W. FISHER | 104 W. MAIN STREET BALDWYN, MS 38824 | AFLAC | $21 | — | $21 | 0.01% |
| HARDY INSURANCE INC3 Filed as: HARDY INSURANCE, INC. | P.O. BOX 872 TUPELO, MS 38802 | AFLAC | $19 | — | $19 | 0.01% |
| CARA PLUMMER-PAXTON3 | 14920 STATE ROUTE 554 BIDWELL, OH 45614 | AFLAC | $16 | — | $16 | 0.00% |
| LISA MCDANIEL3 | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $16 | — | $16 | 0.00% |
| JOHN WILLIAMSON3 Filed as: JOHN W. WILLIAMSON | 360 QUAIL RIDGE ROAD WEST POINT, MS 39773 | AFLAC | $15 | — | $15 | 0.00% |
| RANDY B JACKSON3 Filed as: RANDY B. JACKSON | P.O. BOX 1550 MILLBROOK, AL 36054 | AFLAC | $14 | — | $14 | 0.00% |
| RONALD KOCH3 Filed as: RONALD W. KOCH | 336 MEGAN LANE COLUMBUS, MS 39706 | AFLAC | $13 | — | $13 | 0.00% |
| D AND V BUTLER INC3 Filed as: D AND V BUTLER, INC. | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $12 | — | $12 | 0.00% |
| CHARLES BRYAN WARREN3 | P.O BOX 3357 TUPELO, MS 38803 | AFLAC | $11 | — | $11 | 0.00% |
| CNL ENTERPRISES INC3 Filed as: CNL ENTERPRISES, INC. | 278 PLANTATION SPRINGS DRIVE FLORENCE, AL 35630 | AFLAC | $11 | — | $11 | 0.00% |
| SANDRA K BASS VAVRUNEK3 Filed as: SANDRA K. BASS VAVRUNEK | P.O. BOX 236 MOOREVILLE, MS 35587 | AFLAC | $10 | — | $10 | 0.00% |
| THOMAS D SMITH3 Filed as: THOMAS D. SMITH | 120 A. LOVELY LANE TUPELO, MS 38804 | AFLAC | $10 | — | $10 | 0.00% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS, INC. | P.O. BOX 893 FLORENCE, AL 35631 | AFLAC | $9 | — | $9 | 0.00% |
| CATHERINE H EDWARDS3 Filed as: CATHERINE H. EDWARDS | 368 FOUNTAIN LAKE DRIVE MEMPHIS, TN 38120 | AFLAC | $8 | — | $8 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN W. AMOS | 10051 VETERANS PARKWAY SUITE B-2 MIDLAND, GA 31820 | AFLAC | $8 | — | $8 | 0.00% |
| JAYNE A STALLINGS3 Filed as: JAYNE A. STALLINGS | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $7 | — | $7 | 0.00% |
| CYNTHIA D BURROUGHS3 Filed as: CYNTHIA D. BURROUGHS | 543 ROAD 1411 NETTLETON, MS 38858 | AFLAC | $7 | — | $7 | 0.00% |
| BENNY W STENNETT3 Filed as: BENNY W. STENNETT | 5 COUNTY ROAD 230 CORINTH, MS 38834 | AFLAC | $7 | — | $7 | 0.00% |
| SCOTT J RUSSELL3 Filed as: SCOTT J. RUSSELL | 15275 LOBLOLLY COURT NORTHPOINT, AL 35475 | AFLAC | $6 | — | $6 | 0.00% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES E. MCDANIEL II | 1224 PEACOCK AVENUE SUITE 205E COLUMBUS, GA 31906 | AFLAC | $6 | — | $6 | 0.00% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR. | 1224 PEACOCK AVENUE SUITE 205 COLUMBUS, GA 31906 | AFLAC | $6 | — | $6 | 0.00% |
| MELISSA A MASK3 Filed as: MELISSA A. MASK | 1570 COUNTY ROAD 624 RIPLEY, MS 38663 | AFLAC | $5 | — | $5 | 0.00% |
| RANDALL D LADNER3 Filed as: RANDALL D. LADNER | 6 GREENBRIAR DRIVE GULFPORT, MS 39507 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID ELGIN HAWKINS3 | 301 CLAYMORE DRIVE HAMILTON, GA 31811 | AFLAC | $4 | — | $4 | 0.00% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES W. MCDANIEL | 1224 PEACOCK AVENUE SUITE 205A COLUMBUS, GA 31906 | AFLAC | $3 | — | $3 | 0.00% |
| GREGORY J WEEKS3 Filed as: GREGORY J. WEEKS | 730 AVIGNON DRIVE SUITE 101 RIDGELAND, MS 39157 | AFLAC | $3 | — | $3 | 0.00% |
| GARY MICHAEL BURROUGHS3 | 543 ROAD 1411 NETTLETON, MS 38858 | AFLAC | $3 | — | $3 | 0.00% |
| D P SMITH3 | P.O. BOX 16671 JACKSON, MS 39236 | AFLAC | $3 | — | $3 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BOULEVARD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.00% |
| DONNA LYNN BAGGETT3 | P.O. BOX 113 SHANNON, MS 38868 | AFLAC | $3 | — | $3 | 0.00% |
| PETER B WILKINSON JR3 Filed as: PETER B. WILKINSON JR. | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | AFLAC | $3 | — | $3 | 0.00% |
| SACHIKO BASDEN3 | 914 WARREN AVENUE TUSCUMBIA, AL 35674 | AFLAC | $3 | — | $3 | 0.00% |
| MARTHA TERRINIA BURCHAM3 | 211 W. LIBERTY STREET CLAXTON, GA 30417 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM L AMOS III3 Filed as: WILLIAM L. AMOS III | 6801 RIVER ROAD SUITE 205 COLUMBUS, OH 31904 | AFLAC | $2 | — | $2 | 0.00% |
| DANIEL E TORRES3 Filed as: DANIEL E. TORRES | 1750 FARMINGTON CIRCLE WELLINGTON, MS 33414 | AFLAC | $2 | — | $2 | 0.00% |
| VICKI M BUTLER3 Filed as: VICKI M. BUTLER | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN E HICKS3 Filed as: BRIAN E. HICKS | 188 FRONT STREET SUITE 11639 FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM L AMOS III3 Filed as: WILLIAM L. AMOS III | 7100 STILLWATER DRIVE COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY BOLICK3 Filed as: BRADLEY S. BOLICK | 6433 FALL BRANCH DRIVE COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| C R RAMSEY POTTS3 | P.O. BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F. BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMIAH TROY TALTON3 | 309 NEW POINTE SUITE B RIDGELAND, MS 39157 | AFLAC | $1 | — | $1 | 0.00% |
| TAMI S GILL3 Filed as: TAMI S. GILL | 53 MICHELLE DRIVE BRIGHTON, TN 38011 | AFLAC | $1 | — | $1 | 0.00% |
| TONYA SUE ELMORE3 | 1930 HIGHWAY 71E MANSFIELD, AR 72944 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES L CHANCELLOR3 Filed as: CHARLES L. CHANCELLOR | 903 WEATHERFORD DRIVE BENTON, AR 72015 | AFLAC | $1 | — | $1 | 0.00% |
| JERRY DUNCAN3 Filed as: JERRY CROWELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $42K | — | $42K | 13.86% |
| CLINTON POLLEY GROUP3 Filed as: CLINTON MCLAIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 3.02% |
| LONELL PLYLER3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 2.97% |
| KIRK MOTL3 Filed as: KIRK BUTLER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.34% |
| DUSTIN PRICE3 Filed as: DUSTIN WATKINS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $574 | — | $574 | 0.19% |
| EDWARD D SOMMER3 Filed as: EDWARD RIKARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $367 | — | $367 | 0.12% |
| LOUIS R FAIOLA3 Filed as: LOUIS NORRELL, JR. | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $173 | — | $173 | 0.06% |
| KATHY WIEDEMANN3 Filed as: KATHY ASHE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $136 | — | $136 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN HAMPTON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $90 | — | $90 | 0.03% |
| ALLISON FARRIS WENDELBERGER3 Filed as: ALLISON DRIVER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $41 | — | $41 | 0.01% |
| CIARA CLARK3 Filed as: CIARA DISMUKES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $41 | — | $41 | 0.01% |
| RAYMOND B LINGLE3 Filed as: RAYMOND SMITH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| MARILYN B BOWLING3 Filed as: MARILYN LOLLAR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| PATRICK RUHLE3 Filed as: PATRICK STAFFORD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LISA A PERRI3 Filed as: LISA BULLOCK | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$14 | — | -$14 | -0.00% |
| BRADLEY BOLICK3 Filed as: BRADLEY GRAY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$24 | — | -$24 | -0.01% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE BARNES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$37 | — | -$37 | -0.01% |
| RICKY POLSER3 Filed as: RICKY BEARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$54 | — | -$54 | -0.02% |
| RITA A FOUBERT3 Filed as: RITA PANNELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$87 | — | -$87 | -0.03% |
| BRIAN WHITE3 Filed as: BRIAN ROWLAND | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$91 | — | -$91 | -0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | P.O. BOX 93225 CHICAGO, IL 606733225 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 8.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | P.O. BOX 101162 PASADENA, CA 911891162 | STANDARD INSURANCE COMPANY | $879 | — | $879 | 0.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | P.O. BOX 93225 CHICAGO, IL 606733225 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 8.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF | CA, INC. P.O. BOX 101162 PASADENA, CA 911891162 | STANDARD INSURANCE COMPANY | $735 | — | $735 | 0.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | P.O. BOX 93225 CHICAGO, IL 606733225 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 7.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCES SERVICES OF | CA., INC. P.O. BOX 101162 PASADENA, CA 911891162 | STANDARD INSURANCE COMPANY | $597 | — | $597 | 0.51% |
| WILLIAM VENARD CABLE3 | 2336 ALTADENA CREST DRIVE HOOVER, AL 35242 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 9.73% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 24.49% |
| JERRY DUNCAN3 Filed as: JERRY CROWELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.52% |
| CLINT MCLAIN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $530 | — | $530 | 3.11% |
| LONEL PLYLER3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $334 | — | $334 | 1.96% |
| KIRK MOTL3 Filed as: KIRK BUTLER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $234 | — | $234 | 1.37% |
| DUSTIN PRICE3 Filed as: DUSTIN WATKINS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $17 | — | $17 | 0.10% |
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 | 1,832 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,562 | $677K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,377 | $562K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,875 | $174K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,082 | $227K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 497 | $195K |
| Other(6 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,875 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,875 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.