| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP5 | 3500 BLUE LAKE DRIVE STE 120 BIRMINGHAM, AL 35243 | ACE AMERICAN INSURANCE COMPANY | $45K | — | $45K | 12.92% |
| LAKESHORE BENEFIT ALLIANCE LLC5 Filed as: LAKESHORE BENEFITS ALLIANCE LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $21K | — | $21K | 6.02% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PKWY STE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE COMPANY | — | $21K | $21K | 5.92% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DR MT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE COMPANY | — | $17K | $17K | 4.93% |
| COMPETITIVE HEALTH INC5 Filed as: COMPETITIVE HEALTH | 300 SPECTRUM CENTER DR STE 400 IRVINE, CA 92618 | ACE AMERICAN INSURANCE COMPANY | — | $4K | $4K | 1.22% |
| LAB SERVICE LLC5 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.99% |
| RICKEY H GIBBS3 | 1900 COUNTY ROAD 1678 CULLMAN, AL 35058 | AFLAC | $7K | $252 | $7K | 7.60% |
| DEWAYNE D RAY3 | PO BOX 41 GUNTERSVILLE, AL 35976 | AFLAC | $4K | $54 | $4K | 4.12% |
| WANDA S GIBBS3 | 1900 COUNTY ROAD 1678 CULLMAN, AL 35058 | AFLAC | $617 | $19 | $636 | 0.69% |
| KELVIN MICHAEL RICE3 | 529 EDINBURGH WAY DOTHAN, AL 36305 | AFLAC | $560 | $7 | $567 | 0.62% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS AFLAC AGENTS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $537 | — | $537 | 0.58% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $451 | — | $451 | 0.49% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $441 | — | $441 | 0.48% |
| RONNIE TOWNLEY3 | 6602 LIZZIE LN SE OWENS CROSS ROADS, AL 35763 | AFLAC | $357 | — | $357 | 0.39% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GROVE OLD HICKORY, TN 37138 | AFLAC | $187 | — | $187 | 0.20% |
| BARBARA ANN MCNAUGHTON3 | 4910 COPROPATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $113 | $47 | $160 | 0.17% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS INC. | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $136 | — | $136 | 0.15% |
| JEFFREY A WILSON SR3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $115 | — | $115 | 0.13% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DR STE 120 BIRMINGHAM, AL 35243 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 15.00% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 17.89% |
| 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 | 269 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 215 | $1.9M |
| Vision | VISION SERVICE PLAN | 221 | $33K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 269 | $112K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 269 | $204K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 269 | $112K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 213 | $1.6M |
| Other(3 contracts, 3 carriers) | AFLAC | 269 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.