| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 303 KRYSTAL BLD 1 UNION SQUARE CHATTANOOGA, TN 37402 | GUARDIAN | $42K | — | $42K | 11.17% |
| HARRY H HEPLER3 | P.O. BOX 16109 HUNTSVILLE, AL 35802 | GUARDIAN | $11K | — | $11K | 2.98% |
| WILLIAM F REAVES3 | 109 PARKER DR HUNTSVILLE, AL 35811 | AFLAC | $317 | $72 | $389 | 2.23% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $336 | $34 | $370 | 2.12% |
| LARRY COUNTS3 | 5024 COUNTY ROAD 214 TRINITY, AL 35673 | AFLAC | $253 | $72 | $325 | 1.86% |
| WALLACE S BRADY3 | 11810 FORBIDDEN FOREST CIR APT 304 FREDERICKSBURG, VA 22407 | AFLAC | $235 | — | $235 | 1.34% |
| ERIN C TOMLINSON3 | 9694 MADISON BLVD STE A9 MADISON, AL 35758 | AFLAC | $204 | $14 | $218 | 1.25% |
| CHARLES K LOWERY3 | P.O. BOX 213 KILLEN, AL 35645 | AFLAC | $200 | — | $200 | 1.14% |
| JEANINE GIANNONE3 | 10213 LEES CROSSING LN FREDERICKSBURG, VA 22408 | AFLAC | $190 | — | $190 | 1.09% |
| BRYAN R. DORMAN3 Filed as: BRYAN R DORMAN | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $173 | — | $173 | 0.99% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $120 | $20 | $140 | 0.80% |
| CULLEN SMITH & ASSOCIATES INC3 Filed as: CULLEN SMITH AND ASSOCIATES INC | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $107 | $14 | $121 | 0.69% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DR APT 1B TUSCALOOSA, AL 35401 | AFLAC | $80 | $14 | $94 | 0.54% |
| BEN RENFROE3 | 111 STORMY DRIVE MUSCLE SHOALS, AL 35661 | AFLAC | $49 | $33 | $82 | 0.47% |
| AUDREY J SHRIVE3 | 7057 APPLETREE LOOP COLORADO SPRINGS, CO 80925 | AFLAC | $80 | — | $80 | 0.46% |
| THOMAS J PITZENBERGER3 | 1200 NW SOUTH OUTER RD STE 116 BLUE SPRINGS, MO 64015 | AFLAC | $51 | — | $51 | 0.29% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | P O BOX 893 FLORENCE, AL 35631 | AFLAC | $50 | — | $50 | 0.29% |
| DANIEL J LONG3 | 48 EISENTOWN DR LOVETTSVILLE, VA 20180 | AFLAC | $46 | — | $46 | 0.26% |
| CHRISTIE E BENNESON3 | 3204 N ACADEMY BLVD STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $45 | — | $45 | 0.26% |
| STEPHEN P SHRIVE3 | 7057 APPLETREE LOOP COLORADO SPRINGS, CO 80925 | AFLAC | $42 | — | $42 | 0.24% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $31 | — | $31 | 0.18% |
| CHARLES HOWARD JOBE3 | 1501 OLD MONROVIA RD NW APT 13001 HUNTSVILLE, AL 35806 | AFLAC | $31 | — | $31 | 0.18% |
| GARY GIARRATANO3 | 8612 SHADY BEND RD LENEXA, KS 66227 | AFLAC | $28 | — | $28 | 0.16% |
| GARRY FRANK BARBICH3 | 4860 HARLAN STREET DENVER, CO 80212 | AFLAC | $26 | — | $26 | 0.15% |
| ALMARIE RUSH3 | 15301 PINE TREE WAY BOWIE, MD 20721 | AFLAC | $18 | $7 | $25 | 0.14% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $20 | — | $20 | 0.11% |
| JOSHUA D TILLEY3 | 19929 HARRIS STATION RD TANNER, AL 35671 | AFLAC | $16 | — | $16 | 0.09% |
| ALAN LECLAIRE3 | 10600 CHEVROLET WAY STE 202 ESTERO, FL 33928 | AFLAC | $14 | — | $14 | 0.08% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $8 | — | $8 | 0.05% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $7 | — | $7 | 0.04% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $3 | $2 | $5 | 0.03% |
| JEREMY HOELKER3 | 10400 EATON PL STE 400 FAIRFAX, VA 22030 | AFLAC | $3 | $2 | $5 | 0.03% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $3 | — | $3 | 0.02% |
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 | 334 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 202 | $2.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 202 | $2.5M |
| Vision | GUARDIAN | 334 | $373K |
| Life insurance | GUARDIAN | 334 | $373K |
| Short-term disability | GUARDIAN | 334 | $373K |
| Long-term disability | GUARDIAN | 334 | $373K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 202 | $2.5M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 334 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.