| 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 | $175K | $36K | $211K | 15.17% |
| ALTERNATIVE INSURANCE RESOURCES INC3 Filed as: ALTERNATIVE INSURANCE RESOURCES | PO BOX 660787 BIRMINGHAM, AL 352660787 | SUN LIFE ASSURANCE COMPANY OF CANADA | $72K | — | $72K | 10.66% |
| JERRY DUNCAN3 Filed as: JERRY CROWELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $49K | — | $49K | 12.89% |
| CLINTON POLLEY GROUP3 Filed as: CLINTON MCCAIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 4.14% |
| LONELL PLYLER3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.71% |
| BLAINE HUBER INSURANCE SERVICES3 Filed as: BLAINE BUTLER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.81% |
| DUSTIN PRICE3 Filed as: DUSTIN WATKINS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $379 | — | $379 | 0.10% |
| EDWARD D SOMMER3 Filed as: EDWARD RIKARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $296 | — | $296 | 0.08% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN HAMPTON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $132 | — | $132 | 0.03% |
| KATHY WIEDEMANN3 Filed as: KATHY ASHE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $124 | — | $124 | 0.03% |
| LOUIS R FAIOLA3 Filed as: LOUIS NORREL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $112 | — | $112 | 0.03% |
| ALLISON FARRIS WENDELBERGER3 Filed as: ALLISON DRIVER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $44 | — | $44 | 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 | $15 | — | $15 | 0.00% |
| ERIQ KITCHEN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| PATRICK RUHLE3 Filed as: PATRICK STAFFORD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 2415 ROSEDALE SUITE G MUSCLE SHOALS, AL 35661 | AFLAC | $47K | $1K | $48K | 15.23% |
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 | 1,714 | 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) | 1,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,542 | $679K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,072 | $1.7M |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,072 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,072 | $1.7M |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,072 | $1.7M |
| Other | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 944 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,072 | — |
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.