| 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 | $31K | — | $31K | 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 | 6.31% |
| VALENT GROUP3 | — | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $237 | $5K | 15.75% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $2K | — | $2K | 8.66% |
| RYAN P HOERL3 Filed as: RYAN HOERL | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $1K | $12 | $1K | 5.39% |
| KAREN L BURGESS3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $305 | — | $305 | 1.59% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $145 | — | $145 | 0.76% |
| BRIAN S LOWE3 Filed as: BRIAN LOWE | 920 SARDIS DRIVE BOAZ, AL 35956 | AFLAC | $136 | $7 | $143 | 0.75% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DRIVE OPELIKA, AL 36801 | AFLAC | $101 | $7 | $108 | 0.56% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | AFLAC | $77 | — | $77 | 0.40% |
| LAURA BURGESS3 | 1968 EASTERN VALLEY RAOD BESSEMER, AL 35022 | AFLAC | $57 | $18 | $75 | 0.39% |
| JO ANN KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $62 | — | $62 | 0.32% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $58 | — | $58 | 0.30% |
| C BORLAND3 | 260 MARGARET LANE WASHINGTON COURT HOUSE, OH 43160 | AFLAC | $44 | — | $44 | 0.23% |
| TERESA A GRYDER3 Filed as: TERESA GRYDER | 820 LINBARD LANE VESTAVIA, AL 35226 | AFLAC | $43 | — | $43 | 0.22% |
| STEPHEN WAYNE WALKER3 Filed as: STEPHEN LANZA JR | 2100 RIVER HAVEN DRIVE SUITE 230 HOOVER, AL 35244 | AFLAC | $41 | — | $41 | 0.21% |
| TATOM ENTERPRISES LLC3 | 252 PW REED DRIVE MUNFORD, TN 38058 | AFLAC | $28 | — | $28 | 0.15% |
| GORDON DARRYL COBB3 Filed as: GORDON COBB | 2004 HUALAPAI LANE GUNTERSVILLE, AL 35976 | AFLAC | $28 | — | $28 | 0.15% |
| KELVIN MICHAEL RICE3 Filed as: KELVIN RICE | 623 WESTBROOK ROAD DOTHAN, AL 36303 | AFLAC | $28 | — | $28 | 0.15% |
| PIONEER PACIFIC FINANCIAL3 | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | AFLAC | $25 | — | $25 | 0.13% |
| SHANNON C WILLIAMS3 Filed as: SHANNON WILLIAMS | 7007 DICKEY SPRINGS ROAD BESSEMER, AL 35022 | AFLAC | $23 | — | $23 | 0.12% |
| PIOPAC FIDELITY3 | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | AFLAC | $20 | — | $20 | 0.10% |
| PATTIE L ARANIO3 Filed as: PATTIE ARANIO | 1136 UNION MALL SUITE 800 HONOLULU, HI 96813 | AFLAC | $20 | — | $20 | 0.10% |
| FRANK R GRIFFIN JR3 Filed as: FRANK GRIFFIN JR (CHIP) | PO BOX 233 8601 GARRETT ROAD MIDLAND, GA 31820 | AFLAC | $15 | — | $15 | 0.08% |
| BENJAMIN M PONDER3 Filed as: BENJAMIN PONDER | 339 BROADWAY STREET SUITE 136 CAPE GIRARDEAU, MO 63701 | AFLAC | $8 | — | $8 | 0.04% |
| MKF & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $8 | — | $8 | 0.04% |
| JOHN E CARTER III3 Filed as: JOHN CARTER III | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $7 | — | $7 | 0.04% |
| MARVIN FORE3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $7 | — | $7 | 0.04% |
| BRANDON LEE NELSON3 Filed as: BRANDON NELSON | 236 CLARIDGE CURV PEACHTREE CITY, GA 30269 | AFLAC | $5 | — | $5 | 0.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $3 | — | $3 | 0.02% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 2739 AMERICUS DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $3 | — | $3 | 0.02% |
| DEREK R MANN3 Filed as: DEREK MANN | 155 LEE ROAD 2213 SALEM, AL 36874 | AFLAC | $3 | — | $3 | 0.02% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.01% |
| STEVEN W K SOONG3 Filed as: STEVEN SOONG | 1580 MAKALOA STREET SUITE 1111 HONOLULU, HI 96814 | AFLAC | $1 | — | $1 | 0.01% |
| LYNN HUDGINS MOORE3 Filed as: LYNN MOORE | 8650 MINNE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON JR | 236 HAVERSHAM ROAD DELTONA, FL 32725 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PARKWAY SUITE B-2 MIDLAND, GA 31820 | 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 | $136 | $3K | 15.75% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $1K | — | $1K | 10.83% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | — | $135 | 4.16% |
| TIMOTJY G BURCH JR3 | 13830 MONROE AVENUE NORTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 2.68% |
| SCOTT J RUSSELL3 | 15272 LOBLOLLY COURT NORTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 1.23% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.52% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.46% |
| RONNIE N FURMAN3 | 6521 HIGHWAY 67 SOUTH SUITE M TUSCALOOSA, AL 35405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.43% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.31% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RIDGE GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.22% |
| SALLY MEAD3 | 1535 FIANNA PLACE TERRACE FORT SMITH, AR 72908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.22% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.15% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.12% |
| LYNNE H SCHORR3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.09% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 68 | $57K |
| Vision | VISION SERVICE PLAN | 62 | $13K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $191K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $141K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 72 | $309K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.