| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PALOMAR INSURANCE CORPORATION3 | P. O. BOX 11128 MONTGOMERY, AL 361110128 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | — | $41K | 16.31% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $5K | $20K | 8.01% |
| PALOMAR INSURANCE CORPORATION3 | 4525 EXECUTIVE PARK DRIVE SUITE 202 MONTGOMERY, AL 36116 | AFLAC | $5K | — | $5K | 5.59% |
| RANDY B JACKSON3 Filed as: RANDY JACKSON | PO BOX 1550 MILLBROOK, AL 36054 | AFLAC | $3K | $160 | $4K | 3.79% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $2K | $160 | $2K | 2.08% |
| HAROLD Y GROOMS3 | 110 COOSA RIDGE ROAD DEATSVILLE, AL 36022 | AFLAC | $1K | $196 | $1K | 1.54% |
| LISA MICHELLE JACKSON3 | 4144 RIVEROAKS RD MILLBROOK, AL 36054 | AFLAC | $1K | $158 | $1K | 1.47% |
| CAROL JACKSON3 Filed as: CAROL S JACKSON | P O BOX 1550 MILLBROOK, AL 36054 | AFLAC | $1K | $135 | $1K | 1.20% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $871 | — | $871 | 0.91% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DR PIKE ROAD, AL 36064 | AFLAC | $718 | — | $718 | 0.75% |
| STEVEN T. WHITMIRE3 Filed as: T STEVEN WHITMIRE | 102B ARDEN RD MONTGOMERY, AL 36109 | AFLAC | $704 | — | $704 | 0.73% |
| AMANDA W. TAYLOR3 | 1223 JAMESTOWN DRIVE PRATTVILLE, AL 36067 | AFLAC | $299 | $194 | $493 | 0.51% |
| CECELIA B MARSHALL3 | 607 OLD CAMP DR PIKE ROAD, AL 36064 | AFLAC | $489 | — | $489 | 0.51% |
| JEFFREY REED3 | 29167 FLEETA RD OPP, AL 36467 | AFLAC | $413 | — | $413 | 0.43% |
| JENNIFER D LIVINGSTON3 | 178 GEORGETOWN DR RINGGOLD, GA 30736 | AFLAC | $339 | — | $339 | 0.35% |
| BETTY JEAN GAMACHE3 | 136 CHARLESTON CT N MONTGOMERY, AL 36117 | AFLAC | $304 | — | $304 | 0.32% |
| NATIONAL BENEFIT SOLUTIONS LLC3 | 4155 LOMAC STREET SUITE G MONTGOMERY, AL 36106 | AFLAC | $184 | — | $184 | 0.19% |
| RANDY P MONTZ3 Filed as: RANDY P. MONTZ | 29 DOUBLE OAK AVENUE PIKE ROAD, AL 36064 | AFLAC | $105 | — | $105 | 0.11% |
| COLLEEN J. KEARNEY3 | 732 DUVAL DRIVE MONTGOMERY, AL 36109 | AFLAC | $90 | — | $90 | 0.09% |
| JADE LEE DAVIS3 | 203 HICKMAN AVE E KINSTON, AL 36453 | AFLAC | $67 | — | $67 | 0.07% |
| JEFFREY L COLLINS3 Filed as: JEFFREY L. COLLINS | 359 APPLEFORD ROAD HELENA, AL 35080 | AFLAC | $44 | — | $44 | 0.05% |
| LISA O HUGHES3 | 2430 COUNTRY ROAD 19 N PRATTVILLE, AL 36067 | AFLAC | $43 | — | $43 | 0.04% |
| KEVIN MICHAEL RICE3 | 623 WESTBROOK ROAD DOTHAN, AL 36303 | AFLAC | $42 | — | $42 | 0.04% |
| RONALD D HOWARD3 Filed as: RONALD D. HOWARD | 312 JAMES STREET TALLASSEE, AL 36078 | AFLAC | $39 | — | $39 | 0.04% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $37 | — | $37 | 0.04% |
| RICHARD F SHOCKLEY3 Filed as: RICHARD F. SHOCKLEY | 2101 JACOB MAIN STREET COTTONDALE, FL 32431 | AFLAC | $35 | — | $35 | 0.04% |
| BRIAN V ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $35 | — | $35 | 0.04% |
| SHAKENYA DAVIS3 Filed as: SHAKENYA S. DAVIS | 4155 LOMAC STREET MONTGOMERY, AL 36106 | AFLAC | $33 | — | $33 | 0.03% |
| JAMES D RICHBURG SR3 | 1341 MITCHELL ROAD BRANTLEY, AL 36009 | AFLAC | $33 | — | $33 | 0.03% |
| SPURGEON C SMITH3 Filed as: SPURGEON C. SMITH | 171 DOGWOOD MDWS WETUMPKA, AL 36093 | AFLAC | $27 | — | $27 | 0.03% |
| STAN A SHERLIN3 Filed as: STAN A. SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $19 | — | $19 | 0.02% |
| EDDIE J TORRES3 Filed as: EDDIE J. TORRES | 33 EDENWOOD DR FREEPORT, FL 32439 | AFLAC | $18 | — | $18 | 0.02% |
| DAVID N DAVIS3 | 6901 D AND B LN WING, AL 36483 | AFLAC | $18 | — | $18 | 0.02% |
| PALOMAR INSURANCE CORPORATION3 Filed as: PALOMAR INS CORP | 4525 EXECUTIVE PARK DR STE 202 MONTGOMERY, AL 36116 | AFLAC | $17 | — | $17 | 0.02% |
| DARRIE S SCHLESINGER3 | 941 PARK PL MACON, GA 31201 | AFLAC | $12 | — | $12 | 0.01% |
| BRIAN E HICKS3 Filed as: BRIAN E. HICKS | 5073 DONOVAN ST FRANKLIN, TN 37064 | AFLAC | $11 | — | $11 | 0.01% |
| BARBARA R KOGUT3 Filed as: BARBARA R. KOGUT | 2631 COLUMBIA STREET HOUSTON, TX 77008 | AFLAC | $10 | — | $10 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN W. AMOS | 10051 VETERANS PARKWAY SUITE B-2 MIDLAND, GA 31820 | AFLAC | $10 | — | $10 | 0.01% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $9 | — | $9 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $9 | — | $9 | 0.01% |
| ANGELA WOODHAM3 | 23 TABERNACLE RD HOPE HULL, AL 36043 | AFLAC | $3 | — | $3 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 NONE | Claims processing; Contract Administrator Service code 12 | — | $277K |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $249K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $249K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $249K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $249K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $249K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.