| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID S MADDOX3 | PO BOX 9341 DOTHAN, AL 36304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| JO ANN KIRKLAND3 | PO BOX 9981 DOTHAN, AL 36304 | AFLAC | $5K | $253 | $5K | 12.11% |
| JOHN DORAN SHEPPARD3 | 545 W MAIN ST STE 100 DOTHAN, AL 36301 | AFLAC | $1K | $51 | $1K | 3.13% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DR OPELIKA, AL 36801 | AFLAC | $815 | $51 | $866 | 1.95% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $471 | — | $471 | 1.06% |
| CAMERON A MICHELS3 | 1800 GREYSTONE SUMMIT DR UNIT 1806 CUMMING, GA 30040 | AFLAC | $444 | — | $444 | 1.00% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $431 | — | $431 | 0.97% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $314 | — | $314 | 0.71% |
| KEITH BELICH3 | 2740 CENTRAL PKWY MONTGOMERY, AL 36106 | AFLAC | $124 | — | $124 | 0.28% |
| THOMAS ALONZO RICHARDS3 | 1208 FIVE MILE RD EUFAULA, AL 36027 | AFLAC | $102 | — | $102 | 0.23% |
| HAROLD Y GROOMS3 | 1208 JAMESTOWN DR PRATTVILLE, AL 36067 | AFLAC | $73 | — | $73 | 0.16% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $66 | — | $66 | 0.15% |
| JOHN MASSARI3 Filed as: JOHN P MASSARI | 2560 HIGHLAND GOLF COURSE DR SE CONYERS, GA 30013 | AFLAC | $54 | — | $54 | 0.12% |
| BETTY JEAN GAMACHE3 | 136 CHARLESTON CT N MONTGOMERY, AL 36117 | AFLAC | $46 | — | $46 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DONNIE M BROWN | 56 COUNTY LINE RD GEORGETOWN, GA 39854 | AFLAC | $31 | — | $31 | 0.07% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $19 | — | $19 | 0.04% |
| ROBERT M BAKER3 | 1940 SPRINGDALE DR COLUMBUS, GA 31906 | AFLAC | $14 | — | $14 | 0.03% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $14 | — | $14 | 0.03% |
| VANCE C SMITH III3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $14 | — | $14 | 0.03% |
| GEORGE H REYNOLDS III3 | 5928 ROARING BRANCH RD COLUMBUS, GA 31904 | AFLAC | $13 | — | $13 | 0.03% |
| CINDY WILLIAMS3 Filed as: CINDY T WILLIAMS | 1925 CATAMARAN DR NAVARRE, FL 32566 | AFLAC | $11 | — | $11 | 0.02% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $8 | — | $8 | 0.02% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER SR | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $7 | — | $7 | 0.02% |
| BARRY T FISHER3 | 9662 SPRINGMEADOW DR NEW PORT RICHEY, FL 34655 | AFLAC | $6 | — | $6 | 0.01% |
| WILLIAM L AMOS III3 | 6801 RIVER ROAD SUITE 205 COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $5 | — | $5 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 0.01% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.01% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $1 | — | $1 | 0.00% |
| GEORGE H REYNOLDS III3 | 6724 GREEN ISLAND DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID S MADDOX3 | PO BOX 9341 DOTHAN, AL 36304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| DAVID S MADDOX3 | PO BOX 9341 DOTHAN, AL 36304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $868 | — | $868 | 12.00% |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AFLAC | 77 | $44K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 185 | $76K |
| Short-term disability | AFLAC | 77 | $44K |
| Long-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 154 | $46K |
| Other(2 contracts, 2 carriers) | AFLAC | 185 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.