| 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 | 6.16% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | HCC LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| 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 | $4K | $216 | $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 | $3K | $127 | $3K | 15.75% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $1K | — | $1K | 7.36% |
| RYAN P HOERL3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $564 | $106 | $670 | 4.76% |
| KAREN L BURGESS3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $200 | — | $200 | 1.42% |
| BRIAN S LOWE3 | 4510 LEETH GAP ROAD BOAZ, AL 35956 | AFLAC | $121 | $25 | $146 | 1.04% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DRIVE OPELIKA, AL 36801 | AFLAC | $103 | $25 | $128 | 0.91% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $102 | — | $102 | 0.72% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $43 | — | $43 | 0.31% |
| TERESA A GRYDER3 | 820 LINBARD LANE VESTAVIA, AL 35226 | AFLAC | $39 | — | $39 | 0.28% |
| LAURA BURGESS3 | 1968 EASTERN VALLEY RAOD BESSEMER, AL 35022 | AFLAC | $35 | — | $35 | 0.25% |
| STEPHEN C. LANZA JR & OTHER AGENTS3 Filed as: STEPHEN C LANZA JR | 2100 RIVER HAVEN DRIVE SUITE 230 HOOVER, AL 35244 | AFLAC | $35 | — | $35 | 0.25% |
| C DANIEL BORLAND3 | 2551 APACHE DRIVE SIDNEY, OH 45365 | AFLAC | $29 | — | $29 | 0.21% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | AFLAC | $26 | — | $26 | 0.18% |
| TATOM ENTERPRISES LLC3 | 200 QUAIL HOLLOW DRIVE ATOKA, TN 38004 | AFLAC | $26 | — | $26 | 0.18% |
| GORDON DARRYL COBB3 | 2004 HUALAPAI LANE GUNTERSVILLE, AL 35976 | AFLAC | $23 | — | $23 | 0.16% |
| KELVIN MICHAEL RICE3 | 623 WESTBROOK ROAD DOTHAN, AL 36303 | AFLAC | $23 | — | $23 | 0.16% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $21 | — | $21 | 0.15% |
| SHANNON C WILLIAMS3 | 7007 DICKEY SPRINGS ROAD BESSEMER, AL 35022 | AFLAC | $20 | — | $20 | 0.14% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R GRIFFIN JR (CHIP) | PO BOX 233 8601 GARRETT ROAD MIDLAND, GA 31820 | AFLAC | $14 | — | $14 | 0.10% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FIN SERVICES INC | 1132 BISHOP STREET SUITE 2101 SERVICES INC HONOLULU, HI 96813 | AFLAC | $14 | — | $14 | 0.10% |
| PATTIE L ARANIO3 | PO BOX 894711 MILILANI, HI 96789 | AFLAC | $11 | — | $11 | 0.08% |
| PIOPAC FIDELITY3 | 1164 BISHOP STREET SUITE 1200 HONOLULU, HI 96813 | AFLAC | $11 | — | $11 | 0.08% |
| MKF & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $7 | — | $7 | 0.05% |
| BENJAMIN M PONDER3 | 339 BROADWAY STREET SUITE 136 CAPE GIRARDEAU, MO 63701 | AFLAC | $7 | — | $7 | 0.05% |
| JOHN E CARTER III3 | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $6 | — | $6 | 0.04% |
| MARVIN FORE3 Filed as: MARVIN K FORE | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $6 | — | $6 | 0.04% |
| 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 | $2 | — | $2 | 0.01% |
| BRIAN E HICKS3 | 2739 AMERICUS DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $2 | — | $2 | 0.01% |
| 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% |
| LYNN HUDGINS MOORE3 | 8650 MINNE 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 | 9.90% |
| KAREN L BURGESS3 Filed as: KAREN LEE BURGESS | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | — | $153 | 3.64% |
| TIMOTHY G BURCH JR3 Filed as: TIMOTHY GLENN BURCH JR | 13830 MONROE AVENUE NORTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 2.33% |
| SCOTT J RUSSELL3 Filed as: SCOTT JOHNSTON RUSSELL | 15272 LOBLOLLY COURT NORTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 1.07% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD SUITE 104 BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.50% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.45% |
| RONNIE N FURMAN3 | 6521 HIGHWAY 67 SOUTH SUITE M TUSCALOOSA, AL 35405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.40% |
| RONALD E KIRKLAND3 Filed as: RONALD EDWARD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.21% |
| SALLY MEAD3 | 1535 FIANNA PLACE TERRACE FORT SMITH, AR 72908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.19% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.14% |
| JOHN TODD LEE3 Filed as: JOHN T LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.10% |
| SAIC INC3 | ROUTE 1 BOX 494 PHENIX CITY, AL 36867 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| LYNNE HUDGINS MOORE3 | 4749 GRIFFIN BEND ROAD TALLADEGA, AL 35160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 65 | $56K |
| Vision | VISION SERVICE PLAN | 57 | $13K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $192K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $146K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 72 | $403K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.