| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.70% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.56% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.55% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.99% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $63 | $0 | $63 | 0.21% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $646 | $3K | 18.71% |
| ERIC C TOMLINSON3 | 278 DRURY LANE ALBERTVILLE, AL 35950 | AFLAC | $517 | $0 | $517 | 5.62% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $151 | $0 | $151 | 1.64% |
| VALERIE KAY POVEY3 | 3107 KNOX CIR SW DECATUR, AL 35603 | AFLAC | $74 | $0 | $74 | 0.80% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AA 35976 | AFLAC | $71 | $0 | $71 | 0.77% |
| CHARLES HOWARD JOBE3 | 8421 EVERGREEN DRIVE NORTHFIELD, OH 44067 | AFLAC | $62 | $0 | $62 | 0.67% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $61 | $0 | $61 | 0.66% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS | PO BOXX 893 FLORENCE, AL 35631 | AFLAC | $27 | $0 | $27 | 0.29% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW SUITE G HUNTERSVILLE, AL 35805 | AFLAC | $23 | $0 | $23 | 0.25% |
| LOUIS CULLEN SMITH3 | 3504 GREENWOOD DRIVE HERMITAGE, TN 37076 | AFLAC | $20 | $0 | $20 | 0.22% |
| KELVIN MICHAEL RICE3 | 623 WESTBROOK ROAD DOTHAN, AL 36303 | AFLAC | $11 | $0 | $11 | 0.12% |
| JOHN HARRELL3 | 2418 JOHNSTONE CIR SE HUNTSVILLE, AL 35803 | AFLAC | $6 | $0 | $6 | 0.07% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $4 | $0 | $4 | 0.04% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $2 | $0 | $2 | 0.02% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 1543 TEDDINGTON STREET DELAND, FL 32720 | AFLAC | $2 | $0 | $2 | 0.02% |
| JOHN W AMOS3 | 10051 VETERANS PKWY SUITE B-2 MIDLAND, GA 31820 | AFLAC | $2 | $0 | $2 | 0.02% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $2 | $0 | $2 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANDERSON WILLIAMS MCKINNIS CO INC EIN 63-1016918 FSA ADMIN | Claims processing Service code 12 | — | $5K |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 153 | $2.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 153 | $2.1M |
| Vision | VISION SERVICE PLAN | 113 | $30K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $47K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 153 | $2.1M |
| Other(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 170 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
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.