| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN D JOHNSON3 | 9526 BEAR CREEK ROAD STERRETT, AL 35147 | AFLAC | $4K | $215 | $4K | 22.49% |
| MFK & ASSOCIATES INC3 Filed as: MFK & ASSOCIATES | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $453 | $36 | $489 | 2.64% |
| JASON GAYDON3 | 624 VALLEYVIEW DRIVE PELHAM, AL 35124 | AFLAC | $345 | — | $345 | 1.86% |
| SAIC INC3 Filed as: SAIC INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $187 | — | $187 | 1.01% |
| LANZA & ASSOCIATES LLC3 | 4505 PINE TREE CIRCLE SUITE 201 VESTAVIA, AL 35243 | AFLAC | $109 | — | $109 | 0.59% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $95 | — | $95 | 0.51% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $24 | — | $24 | 0.13% |
| NEIL M MORGAN JR3 Filed as: NEIL M MORGAN JR. | 1904 ELLIS DRIVE POQUOSON, VA 23662 | AFLAC | $10 | — | $10 | 0.05% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $6 | — | $6 | 0.03% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $6 | — | $6 | 0.03% |
| LYNN HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 10 INVERNESS CENTER PARKWAY BIRMINGHAM, AL 352424818 | VISION SERVICE PLAN | $2K | — | $2K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. OF AL INC. | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 300971578 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $55 | $2K | 13.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. OF AL INC. | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | — | $165 | $165 | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116 | $14 | $130 | 371.43% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 372 | $1.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 372 | $1.5M |
| Vision | VISION SERVICE PLAN | 103 | $16K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 143 | $14K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 372 | $1.5M |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 372 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.