| 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 | $8K | $556 | $8K | 18.28% |
| REID ALFORD3 Filed as: REID W. ALFORD | 300 CAHABA PARK CIRCLE, SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $837 | $35 | $872 | 1.94% |
| MFK & ASSOCIATES INC3 | 300 CAHABA PARK CIRCLE, SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $641 | $114 | $755 | 1.68% |
| MJ INSURANCE3 Filed as: T. HOLLINGSWORTH AND VARIOUS AGENTS | 1841 CHARLOTTE DRIVE HOOVER, AL 35226 | AFLAC | $609 | $28 | $637 | 1.42% |
| LEE BUSINESS SOLUTIONS INC3 | 6918 GOLDSTRUM WAY KATY, TX 77493 | AFLAC | $417 | $0 | $417 | 0.93% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER W. GRAHAM | 2 CHASE CORPORATE DRIVE, SUITE 140 HOOVER, AL 35244 | AFLAC | $388 | $0 | $388 | 0.86% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE INS. AGENCY LLC | 6918 GOLDSTRUM WAY KATY, TX 77493 | AFLAC | $265 | $22 | $287 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 300 WEST 10TH STREET WEST POINT, GA 31833 | VISION SERVICE PLAN | $3K | — | $3K | 8.72% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL INC. | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | VISION SERVICE PLAN | $406 | $0 | $406 | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $42 | $4K | 14.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $393 | $393 | 1.46% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 608 | $2.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 565 | $162K |
| Vision | VISION SERVICE PLAN | 204 | $35K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 273 | $72K |
| Short-term disability | AFLAC | 45 | $45K |
| Long-term disability | AFLAC | 45 | $45K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 608 | $2.2M |
| Other(2 contracts, 2 carriers) | AFLAC | 273 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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.