| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO. INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 14.97% |
| RICKEY H GIBBS3 | 1900 COUNTY ROAD 1678 CULLMAN, AL 35058 | AFLAC | $6K | $26 | $6K | 6.50% |
| DEWAYNE D RAY3 | PO BOX 41 GUNTERSVILLE, AL 35976 | AFLAC | $4K | $5 | $4K | 3.98% |
| WANDA S GIBBS3 Filed as: WANDA GIBBS | 1900 COUNTY ROAD 1678 CULLMAN, AL 35058 | AFLAC | $1K | — | $1K | 1.47% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $1K | $5 | $1K | 1.18% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS AFLAC AGENTS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $574 | — | $574 | 0.62% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $566 | — | $566 | 0.62% |
| RONNIE TOWNLEY3 | 6602 LIZZIE LANE SE OWENS CROSS ROADS, AL 35763 | AFLAC | $529 | — | $529 | 0.58% |
| ROBERTA WILSON3 | 709 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AFLAC | $239 | — | $239 | 0.26% |
| LOUIS CULLEN SMITH3 Filed as: LOUIS SMITH | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $218 | — | $218 | 0.24% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $179 | — | $179 | 0.19% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $70 | — | $70 | 0.08% |
| JOSEPH M. KELLEY3 | 2700 HIGHWAY 280 S SUITE 206W MOUNTAIN BROOK, AL 352232468 | VISION SERVICE PLAN | $2K | — | $2K | 7.00% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 340 | $1.8M |
| Vision | VISION SERVICE PLAN | 207 | $32K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 262 | $101K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 262 | $193K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 262 | $101K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 340 | $1.8M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 262 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
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.