| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | HCC LIFE INSURANCE COMPANY | $33K | — | $33K | 10.00% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 6.32% |
| VALENT GROUP3 | — | DELTA DENTAL INSURANCE COMPANY | $9K | — | $9K | 16.39% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $204 | $4K | 15.75% |
| RYAN P HOERL3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $812 | — | $812 | 4.64% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $590 | — | $590 | 3.37% |
| KAREN L BURGESS3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $438 | — | $438 | 2.50% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $172 | — | $172 | 0.98% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | AFLAC | $120 | — | $120 | 0.69% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $71 | — | $71 | 0.41% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $53 | — | $53 | 0.30% |
| C DANIEL BORLAND3 | 260 MARGARET LANE WASHINGTON COURT HOUSE, OH 43160 | AFLAC | $41 | — | $41 | 0.23% |
| LANZA & ASSOCIATES LLC3 | 300 CAHABA PARK CIRCLE SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $38 | — | $38 | 0.22% |
| GORDON DARRYL COBB3 | 2004 HUALAPAI LANE GUNTERSVILLE, AL 35976 | AFLAC | $35 | — | $35 | 0.20% |
| KELVIN MICHAEL RICE3 | 529 EDINBURGH WAY DOTHAN, AL 36305 | AFLAC | $25 | — | $25 | 0.14% |
| SHANNON C WILLIAMS3 | 7007 DICKEY SPRINGS ROAD BESSEMER, AL 35022 | AFLAC | $22 | — | $22 | 0.13% |
| PIONEER PACIFIC FINANCIAL3 | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | AFLAC | $21 | — | $21 | 0.12% |
| PIOPAC FIDELITY3 | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | AFLAC | $17 | — | $17 | 0.10% |
| PATTIE L ARANIO3 | 1136 UNION MALL SUITE 800 HOLOLULU, HI 96813 | AFLAC | $17 | — | $17 | 0.10% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $15 | — | $15 | 0.09% |
| BENJAMIN M PONDER3 | 339 BROADWAY STREET SUITE 136 CAPE GIRARDEAU, MO 63701 | AFLAC | $7 | — | $7 | 0.04% |
| BRIAN E HICKS3 | 1327 JE2WELL AVENUE FRANKLIN, TN 37064 | AFLAC | $6 | — | $6 | 0.03% |
| MARVIN FORE3 Filed as: MARVIN K FORE | 300 CAHABA PARK CIRCLE SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $6 | — | $6 | 0.03% |
| BRANDON LEE NELSON3 | 236 CLARIDGE CURV PEACHTREE CITY, GA 30269 | AFLAC | $5 | — | $5 | 0.03% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $5 | — | $5 | 0.03% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| STEVEN W K SOONG3 Filed as: STEVEN W.K. SOONG | 1580 MAKALOA STREET SUITE 1111 HONOLULU, HI 96814 | AFLAC | $1 | — | $1 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $131 | $3K | 15.75% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $1K | — | $1K | 10.05% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | — | $196 | 3.32% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVENUE NORTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | — | $131 | 2.22% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 1.02% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.71% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.64% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.51% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.31% |
| RONNIE N FURMAN3 | 6521 HIGHWAY 67 SOUTH SUITE M TUSCALOOSA, AL 35405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.27% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.14% |
| SALLY MEAD3 | 1535 FIANNA PLACE TERRACE FORTH SMITH, AR 72908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.14% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.08% |
| 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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 67 | $53K |
| Vision | VISION SERVICE PLAN | 62 | $13K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $186K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $142K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 71 | $334K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.