| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 18.22% |
| NORMAN WILKINS3 | 405 COALMONT ROAD HELENA, AL 35080 | AFLAC | $5K | $141 | $5K | 10.07% |
| REID ALFORD3 | 300 CAHABA PARK CIRCLE, SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $2K | $28 | $2K | 3.24% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE SUITE 500, BOX 358 COLUMBUS, GA 31904 | AFLAC | $844 | $0 | $844 | 1.73% |
| BIG RED BENEFITS, LLC3 | 762 DOWNTOWNER LOOP WEST, SUITE 202 MOBILE, AL 36609 | AFLAC | $684 | $36 | $720 | 1.48% |
| MJ INSURANCE3 Filed as: FRANK LEE, JR. AND VARIOUS AGENTS | 3009 FIREFIGHTER LANE BIRMINGHAM, AL 35209 | AFLAC | $714 | $6 | $720 | 1.48% |
| MKF & ASSOCIATES INC3 Filed as: MKF AND ASSOCIATES, INC. | 300 CAHABA PARK CIRCLE, SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $576 | $28 | $604 | 1.24% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $472 | $0 | $472 | 0.97% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.00% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ALABAMA | 233 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF ALABAMA | 233 | $1.2M |
| Vision(2 contracts, 2 carriers) | AFLAC | 107 | $63K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $129K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $81K |
| Prescription drug | BLUECROSS BLUESHIELD OF ALABAMA | 233 | $1.2M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.