| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 15.00% |
| MJ INSURANCE3 Filed as: PETE CANARELA AND VARIOUS AGENTS | 21036A STATE HIGHWAY 181 SUITE 102B FAIRHOPE, AL 36532 | AFLAC | $520 | $32 | $552 | 4.39% |
| BENJAMIN D JOHNSON3 Filed as: BENJAMIN D. JOHNSON | 9526 BEAR CREEK ROAD STERRETT, AL 35147 | AFLAC | $399 | $0 | $399 | 3.17% |
| STUART P WALKER3 Filed as: STUART P. WALKER | 3223 WALTON DRIVE MONTGOMERY, AL 36111 | AFLAC | $300 | $67 | $367 | 2.92% |
| ANN M WALKER3 Filed as: ANN M. WALKER | 3223 WALTON DRIVE MONTGOMERY, AL 36111 | AFLAC | $292 | $69 | $361 | 2.87% |
| BOZEMAN ENTERPRISES INC3 | 9052 BROOKSIDE LANE DAPHNE, AL 36526 | AFLAC | $271 | $0 | $271 | 2.16% |
| MICHELLE BOYD3 | 463 STONECREST CIRCLE RINGGOLD, GA 30736 | AFLAC | $222 | $48 | $270 | 2.15% |
| CRISTAL ANN FOWLER3 | 5210 BROKEN BOW LANE BIRMINGHAM, AL 35242 | AFLAC | $125 | $0 | $125 | 0.99% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $701 | $0 | $701 | 7.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 5605 GLENRIDGE DRIVE, SUITE 500 ATLANTA, GA 30342 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $866 | $0 | $866 | 10.00% |
| SANDY LODEN3 | 757 MAIN STREET FULTONDALE, AL 35068 | AFLAC | $68 | $0 | $68 | 3.67% |
| BENJAMIN D JOHNSON3 Filed as: BENJAMIN D. JOHNSON | 9526 BEAR CREEK ROAD STERRETT, AL 35147 | AFLAC | $56 | $0 | $56 | 3.03% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE, SUITE 500 COLUMBUS, GA 31904 | AFLAC | $45 | $0 | $45 | 2.43% |
| SONDRA BLAYLOCK3 | 5641 OLD LEEDS ROAD BIRMINGHAM, AL 35210 | AFLAC | $37 | $0 | $37 | 2.00% |
| JOHN B YARBOROUGH3 Filed as: JOHN B. YARBOROUGH | 1113 MOUNTAIN OAKS DRIVE HOOVE, AL 35226 | AFLAC | $36 | $0 | $36 | 1.94% |
| MJ INSURANCE3 Filed as: BRIAN HICKS AND VARIOUS AGENTS | 1327 JEWELL AVENUE FRANKLIN, TN 37064 | AFLAC | $7 | $0 | $7 | 0.38% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $4 | $0 | $4 | 0.22% |
| BENJAMIN D JOHNSON3 Filed as: BENJAMIN D. JOHNSON | 9526 BEAR CREEK ROAD STERRETT, AL 35147 | AFLAC | $68 | $0 | $68 | 9.43% |
| MKF & ASSOCIATES INC3 | 300 CAHABA PARK CIRCLE, SUITE 133 BIRMINGHAM, AL 35242 | AFLAC | $11 | $0 | $11 | 1.53% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF ALABAMA | 308 | $1.4M |
| Dental | BLUECROSS AND BLUESHIELD OF ALABAMA | 308 | $1.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 111 | $18K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 164 | $60K |
| Short-term disability(3 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 164 | $74K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 164 | $60K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF ALABAMA | 308 | $1.4M |
| Other(4 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 164 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.