| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JO ANN KIRKLAND3 | PO BOX 9981 DOTHAN, AL 36304 | AFLAC | $4K | $322 | $5K | 9.18% |
| JOHN DORAN SHEPPARD3 | 801 W MAIN ST DOTHAN, AL 36301 | AFLAC | $2K | $64 | $2K | 3.27% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DR OPELIKA, AL 36801 | AFLAC | $642 | $64 | $706 | 1.43% |
| DANIEL S ADAMS3 | 3857 SCOTT CHURCH RD MARIANNA, FL 32448 | AFLAC | $200 | — | $200 | 0.40% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $185 | — | $185 | 0.37% |
| CAMRON A MICHELS3 | 1800 GREYSTONE SUMMIT DR UNIT 1806 CUMMING, GA 30040 | AFLAC | $182 | — | $182 | 0.37% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 CLUMBUS, GA 31904 | AFLAC | $147 | — | $147 | 0.30% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $119 | — | $119 | 0.24% |
| THOMAS ALONZO RICHARDS3 | 1208 FIVE MILE RD EUFAULA, AL 36027 | AFLAC | $75 | — | $75 | 0.15% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $41 | — | $41 | 0.08% |
| LARRY L JENKINS | 285 N FOSTER ST STE 313 DOTHAN, AL 36303 | AFLAC | $31 | — | $31 | 0.06% |
| KEITH BELICH3 | 2740 CENTRAL PKWY MONTGOMERY, AL 36106 | AFLAC | $28 | — | $28 | 0.06% |
| EUGENE L PORTER III3 | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $20 | — | $20 | 0.04% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $16 | — | $16 | 0.03% |
| KATHY B MOBLEY3 | 173 WAVERLY CIR WAVERLY HALL, GA 31831 | AFLAC | $10 | — | $10 | 0.02% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $9 | — | $9 | 0.02% |
| BARBARA SUSAN HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $9 | — | $9 | 0.02% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $5 | — | $5 | 0.01% |
| LEE STEWART HOFFMAN3 | 20214 HERITAGE POINT DR TAMPA, FL 33647 | AFLAC | $5 | — | $5 | 0.01% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $4 | — | $4 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.01% |
| BRIAN E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $2 | — | $2 | 0.00% |
| BRAD S MORRIS3 | 203 LIVEOAK TRL DOTHAN, AL 36305 | AFLAC | $2 | — | $2 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID S MADDOX3 | PO BOX 9341 DOTHAN, AL 36304 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| DAVID S MADDOX3 | PO BOX 9341 DOTHAN, AL 36304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| DAVID S MADDOX3 | PO BOX 9341 DOTHAN, AL 36304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $720 | — | $720 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY BIRMINGHAM, AL 35298 | $71K |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AFLAC | 75 | $49K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 132 | $75K |
| Short-term disability | AFLAC | 75 | $49K |
| Long-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 132 | $39K |
| Other(2 contracts, 2 carriers) | AFLAC | 132 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.