| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN D JOHNSON3 Filed as: BENJAMIN D. JOHNSON | 9526 BEAR CREEK ROAD STERRETT, AL 35147 | AFLAC | $7K | $112 | $7K | 20.51% |
| MFK & ASSOCIATES INC3 Filed as: MFK & ASSOCIATES | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $890 | $19 | $909 | 2.68% |
| SHANNON L MCBRIDE3 | 2004 HUALAPAI LN GUNTERSVILLE, AL 35242 | AFLAC | $218 | — | $218 | 0.64% |
| REID ALFORD3 Filed as: REID W ALFORD | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $182 | — | $182 | 0.54% |
| SAIC INC3 Filed as: SAIC INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $144 | — | $144 | 0.43% |
| ROBERT H STONE SR3 Filed as: ROBERT C HODGIN | 4505 PINE TREE CIRCLE VESTAVIA, AL 35243 | AFLAC | $103 | — | $103 | 0.30% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $73 | — | $73 | 0.22% |
| LEE BUSINESS SOLUTIONS INC3 Filed as: LEE BUSINESS SOLUTIONS LLC | 6918 GOLDSTRUM WAY KATY, TX 77493 | AFLAC | $37 | — | $37 | 0.11% |
| LANZA & ASSOCIATES LLC3 | 300 CAHABA PARK CIR STE 133 BIRMINGHAM, AL 35242 | AFLAC | $36 | — | $36 | 0.11% |
| REID ALFORD3 Filed as: REID W ALFORD | 4505 PINE TREE CIRCLE SUITE 201 BIRGMINGHAM, AL 35242 | AFLAC | $33 | — | $33 | 0.10% |
| LANZA & ASSOCIATES LLC3 | 4505 PINE TREE CIRCLE SUITE 201 VESTAVIA, AL 35243 | AFLAC | $31 | — | $31 | 0.09% |
| JASON GAYDON3 | 624 VALLEYVIEW DRIVE PELHAM, AL 35124 | AFLAC | $30 | — | $30 | 0.09% |
| LEE BUSINESS SOLUTIONS INC3 | 4670 BROOKSHIRE LN BESSEMER, AL 35022 | AFLAC | $27 | — | $27 | 0.08% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $26 | — | $26 | 0.08% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $26 | — | $26 | 0.08% |
| NEIL M MORGAN JR3 Filed as: NEIL M MORGAN JR. | 1904 ELLIS DRIVE POQUOSON, VA 23662 | AFLAC | $11 | — | $11 | 0.03% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $6 | — | $6 | 0.02% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.01% |
| LYNN HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT STREET SUITE 116 39 FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 10 INVERNESS CENTER PARKWAY STE 400 BIRMINGHAM, AL 352424818 | VISION SERVICE PLAN | $2K | — | $2K | 9.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | VISION SERVICE PLAN | $597 | — | $597 | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. OF AL INC. | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $74 | $3K | 14.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $290 | $290 | 1.38% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 519 | $2.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 519 | $2.0M |
| Vision | VISION SERVICE PLAN | 158 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $21K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 519 | $2.0M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 519 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.