| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $17K | 8.42% |
| DISABILITY INSURANCE SVCS INC3 Filed as: DISABILITY INSURANCE SERVICES, INC. | 4444 ZION AVENUE SAN DIEGO, CA 92120 | STANDARD INSURANCE COMPANY | $16K | $85 | $16K | 12.93% |
| KELLY HOLBERT3 | 800 SHADES CREEK PARKWAY, SUITE 345 BIRMINGHAM, AL 35209 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 6.48% |
| LION STREET FINANCIAL LLC3 Filed as: LION STREET INSURANCE SERVICES | 300 COLORADO STREET, SUITE 2600 AUSTIN, TX 78701 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.93% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $2K | — | $2K | 10.06% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $448 | $0 | $448 | 3.25% |
| MJ INSURANCE3 Filed as: SCOTT RUSSELL AND VARIOUS AGENTS | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $424 | $0 | $424 | 3.08% |
| RYAN P HOERL3 Filed as: RYAN HOERL | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $338 | $69 | $407 | 2.95% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $222 | $0 | $222 | 1.61% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE COLUMBUS, GA 31904 | AFLAC | $115 | $0 | $115 | 0.83% |
| MICHAEL FOWLER3 | 335 EAST MAIN STREET, SUITE B1 TUPELO, MS 38804 | AFLAC | $82 | $9 | $91 | 0.66% |
| BRAIN LOWE3 | 4510 LEETH GAP ROAD BOAZ, AL 35956 | AFLAC | $81 | $9 | $90 | 0.65% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 153 | $51K |
| Vision | VISION SERVICE PLAN | 70 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $204K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $218K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $328K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.