| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 7.72% |
| DISABILITY INSURANCE SVCS INC3 Filed as: DISABILITY INSURANCE SERVICES, INC. | 4444 ZION AVENUE SAN DIEGO, CA 92120 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 12.58% |
| KELLY MCDOWELL HOLBERT3 | 800 SHADES CREEK PARKWAY, SUITE 345 BIRMINGHAM, AL 35209 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 6.64% |
| LION STREET FINANCIAL LLC3 Filed as: LION STREET INSURANCE SERVICES INC. | 300 COLORADO STREET, SUITE 2600 AUSTIN, TX 78701 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.01% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.17% |
| EMPLOYER BENEFIT SOLUTIONS INC3 Filed as: EMPLOYER BENEFIT SOLUTIONS, INC. | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $707 | $0 | $707 | 5.34% |
| RYAN P HOERL3 Filed as: RYAN HOERL | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $447 | $0 | $447 | 3.38% |
| BRIAN LOWE AND OTHER AGENTS3 | 4510 LEETH GAP ROAD BOAZ, AL 35956 | AFLAC | $413 | $0 | $413 | 3.12% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $203 | $0 | $203 | 1.53% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE STREET 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $111 | $0 | $111 | 0.84% |
| MICHAEL FOWLER3 | 335 EAST MAIN STREET, SUITE B1 TUPELO, MS 38804 | AFLAC | $66 | $0 | $66 | 0.50% |
| GORDON DARRYL COBB3 Filed as: GORDON COBB | 2004 HUALAPAI LANE GUNTERSVILLE, AL 35976 | AFLAC | $55 | $0 | $55 | 0.42% |
| BRIAN PATTON3 | UNKNOWN BIRMINGHAM, AL 35209 | COMBINED INSURANCE COMPANY OF AMERICA | $477 | $0 | $477 | 45.00% |
| SAMUEL WILLIAMS3 | UNKNOWN BIRMINGHAM, AL 35209 | COMBINED INSURANCE COMPANY OF AMERICA | $477 | $0 | $477 | 45.00% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 160 | $53K |
| Vision | VISION SERVICE PLAN | 72 | $18K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $232K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $244K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $361K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.