| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & CO., INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | HCC LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 6.53% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY | — | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $146 | $3K | 15.75% |
| RYAN P HOERL3 Filed as: RYAN HOERL | 1968 EASTHERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $2K | $11 | $2K | 10.89% |
| KAREN L BURGESS3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $415 | — | $415 | 2.66% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $344 | — | $344 | 2.21% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | AFLAC | $219 | $2 | $221 | 1.42% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $156 | $2 | $158 | 1.01% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $157 | — | $157 | 1.01% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $59 | — | $59 | 0.38% |
| C DANIEL BORLAND3 | 10471 PAUSCH ROAD LEESBURG, OH 45135 | AFLAC | $34 | — | $34 | 0.22% |
| LANZA & ASSOCIATES LLC3 | 4505 PINE TREE CIRCLE SUITE 201 VESTAVIA, AL 35243 | AFLAC | $28 | — | $28 | 0.18% |
| SHANNON C WILLIAMS3 | 7007 DICKEY SPRINGS ROAD BESSEMER, AL 35022 | AFLAC | $18 | — | $18 | 0.12% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $13 | — | $13 | 0.08% |
| BENJAMIN M PONDER3 | 339 BROADWAY STREET SUITE 136 CAPE GIRARDEAU, MO 63701 | AFLAC | $6 | — | $6 | 0.04% |
| BRIAN E HICKS3 | 188 FRONT STREET SUITE 16639 FRANKLIN, TN 37064 | AFLAC | $5 | — | $5 | 0.03% |
| MARVIN FORE3 Filed as: MARVIN K FORE | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $5 | — | $5 | 0.03% |
| MARVIN FORE3 | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $5 | — | $5 | 0.03% |
| BRANDON LEE NELSON3 | 236 CLARIDGE CURV PEACHTREE CITY, GA 30269 | AFLAC | $4 | — | $4 | 0.03% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $4 | — | $4 | 0.03% |
| LANZA & ASSOCIATES LLC3 | 300 CAHABA PARK CIRCLE SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $3 | — | $3 | 0.02% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| S S NESBITT & CO INC3 Filed as: SS NESBIT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $115 | $2K | 15.75% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | — | $196 | 3.57% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVENUE NORTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | — | $131 | 2.38% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 1.67% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 1.09% |
| DAVID G CHAVIERS3 | 350 LOCUST STREET GADSDEN, AL 35901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.89% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.55% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.45% |
| RONNIE N FURMAN3 | 6521 HIGHWAY 67 SOUTH SUITE M TUSCALOOSA, AL 35405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.29% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.15% |
| SALLY MEAD3 | 1535 FIANNA PLACE TERRACE FORT SMITH, AR 72908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.15% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.09% |
| LYNNE H SCHORR3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.07% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 59 | $54K |
| Vision | VISION SERVICE PLAN | 48 | $11K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $168K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $15K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $133K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 69 | $234K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.