| 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 | $32K | — | $32K | 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 | 6.10% |
| VALENT GROUP3 | — | DELTA DENTAL INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $222 | $5K | 15.75% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $123 | $3K | 15.75% |
| RYAN P HOERL3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $579 | $38 | $617 | 4.28% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $402 | — | $402 | 2.79% |
| KAREN L BURGESS3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $302 | — | $302 | 2.09% |
| LAURA BURGESS3 Filed as: LAURA M BURGESS | 1968 EASTERN VALLEY ROAD BESSEMER, AA 35022 | AFLAC | $214 | — | $214 | 1.48% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $136 | — | $136 | 0.94% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | AFLAC | $89 | — | $89 | 0.62% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $71 | — | $71 | 0.49% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AA 35475 | AFLAC | $55 | — | $55 | 0.38% |
| C DANIEL BORLAND3 | 260 MARGARET LANE WASHINGTON COURT HOUSE, OH 43160 | AFLAC | $37 | — | $37 | 0.26% |
| BRIAN S LOWE3 | 920 SARDIS DRIVE BOAZ, AL 35956 | AFLAC | $35 | — | $35 | 0.24% |
| GORDON DARRYL COBB3 | 2004 HUALAPAI LANE GUNTERSVILLE, AL 35976 | AFLAC | $24 | $9 | $33 | 0.23% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DRIVE OPELIKA, AL 36801 | AFLAC | $29 | — | $29 | 0.20% |
| KELVIN MICHAEL RICE3 | 529 EDINBURGH WAY DOTHAN, AL 36305 | AFLAC | $17 | $9 | $26 | 0.18% |
| LANZA & ASSOCIATES LLC3 Filed as: LANZA & ASSOCIATES, LLC | 300 CAHABA PARK CIRCLE SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $25 | — | $25 | 0.17% |
| PIONEER PACIFIC FINANCIAL3 | 1132 BISHOP STREET SUITE 2101 HONLULU, HI 96813 | AFLAC | $21 | — | $21 | 0.15% |
| SHANNON C WILLIAMS3 | 7007 DICKEY SPRINGS ROAD BESSEMER, AL 35022 | AFLAC | $20 | — | $20 | 0.14% |
| PATTIE L ARANIO3 | 1136 UNION MALL SUITE 800 HONOLULU, HI 96813 | AFLAC | $17 | — | $17 | 0.12% |
| PIOPAC FIDELITY3 | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | AFLAC | $17 | — | $17 | 0.12% |
| DEREK R MANN3 | 111 LEE ROAD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $14 | — | $14 | 0.10% |
| LANZA & ASSOCIATES LLC3 Filed as: LANZA & ASSOCIATES, LLC | 2100 RIVER HAVEN DRIVE SUITE 230 HOOVER, AL 35244 | AFLAC | $9 | — | $9 | 0.06% |
| BENJAMIN M PONDER3 | 339 BROADWAY STREET SUITE 136 CAPE GIRARDEAU, MO 63701 | AFLAC | $7 | — | $7 | 0.05% |
| KELVIN MICHAEL RICE3 | 623 WESTBROOK ROAD DOTHAN, AL 36303 | AFLAC | $6 | — | $6 | 0.04% |
| MICHAEL J. MUNGENAST3 Filed as: MICHAEL K FORE | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $6 | — | $6 | 0.04% |
| BRANDON LEE NELSON3 | 236 CLARIDGE CURVE PEACHTREE CITY, GA 30269 | AFLAC | $4 | — | $4 | 0.03% |
| BRIAN E HICKS3 | 1327 JEWELL AVENUE FRANKLIN, TN 37064 | AFLAC | $4 | — | $4 | 0.03% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $4 | — | $4 | 0.03% |
| STAN A SHERLIN3 | 733 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 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $1K | — | $1K | 9.12% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | — | $160 | 3.02% |
| TIMOTHY G BURCH JR3 | 13830 MONROE AVENUE NORTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 2.00% |
| EMPLOYER BENEFIT SOLUTIONS INC3 Filed as: EMPLOYER BENEFIT SOLUTIONS, INC | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.96% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NRTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.93% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.87% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.45% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.42% |
| RONNIE N FURMAN3 | 6521 HIGHWAY 67 SOUTH SUITE M TUSCALOOSA, AL 35405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.26% |
| SALLY MEAD3 | 1535 FIANNA PLACE TERRACE FORT SMITH, AR 72908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.13% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.11% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSIE, GA 31807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| LYNNE H SCHORR3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.06% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 66 | $59K |
| Vision | VISION SERVICE PLAN | 61 | $13K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $196K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $150K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 72 | $321K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.