| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | $11K | $63K | 16.90% |
| WILLIAM F REAVES3 Filed as: WILLIAM REAVES | 109 PARKER DRIVE HUNTSVILLE, AL 35811 | AFLAC | $428 | $11 | $439 | 2.75% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $264 | — | $264 | 1.66% |
| LARRY COUNTS3 | 5024 COUNTY ROAD 214 TRINITY, AL 35673 | AFLAC | $213 | $11 | $224 | 1.40% |
| CHARLES K LOWERY3 Filed as: CHARLES LOWERY | PO BOX 213 KILLEN, AL 35645 | AFLAC | $189 | — | $189 | 1.19% |
| TONYA M DORMAN3 Filed as: TONYA DORMAN | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $156 | $28 | $184 | 1.15% |
| BYRON C LANGDON3 Filed as: BYRON LANGDON | 5959 GATEWAY BOULEVARD WEST SUITE 369 EL PASO, TX 79925 | AFLAC | $117 | $35 | $152 | 0.95% |
| ERIN C TOMLINSON3 Filed as: ERIN TOMLINSON | 109 MOONGLOW TRAIL HUNTSVILLE, AL 35806 | AFLAC | $132 | — | $132 | 0.83% |
| ALONZO HERNANDEZ3 | 5859 WEST BAYFIELD DRIVE MCCORDSVILLE, IN 46055 | AFLAC | $123 | — | $123 | 0.77% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERVILLE, AL 35976 | AFLAC | $90 | $4 | $94 | 0.59% |
| VALERIE KAY POVEY3 Filed as: VALERIE POVEY | 3107 KNOX CIRCLE SOUTHWEST DECATUR, AL 35603 | AFLAC | $91 | — | $91 | 0.57% |
| BEN RENFROE3 | 111 STORMY DRIVE MUSCLE SHOALS, AL 35661 | AFLAC | $84 | — | $84 | 0.53% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES JOBE | 6852 AMHERST DRIVE APARTMENT 2108 SAGAMORE HILLS, OH 44067 | AFLAC | $79 | $2 | $81 | 0.51% |
| JOSEPH MCBRIDE3 | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $70 | — | $70 | 0.44% |
| LOUIS CULLEN SMITH3 Filed as: LOUIS SMITH | 3205 QUIET STREET GROVE OLD HICKORY, TN 37138 | AFLAC | $68 | — | $68 | 0.43% |
| ANGELA KAYE DOWDY3 Filed as: ANGELA DOWDY | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $61 | $2 | $63 | 0.40% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $50 | — | $50 | 0.31% |
| BRYAN R. DORMAN3 Filed as: BRYAN DORMAN | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $33 | — | $33 | 0.21% |
| GARY GIARRATANO3 | 13309 WEST 73RD STREET SHAWNEE, KS 66216 | AFLAC | $28 | — | $28 | 0.18% |
| CLINT WEIGHT3 | 745 SOUTH 180 WEST SALEM, UT 84653 | AFLAC | $23 | $5 | $28 | 0.18% |
| JOSH MURILLO3 | 5959 GATEWAY BOULVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $19 | $6 | $25 | 0.16% |
| ERIC DEANE3 | 7732 BOLERO DRIVE CAMBY, IN 46113 | AFLAC | $24 | — | $24 | 0.15% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DRIVE APARTMENT 18 TUSCALOOSA, AL 35401 | AFLAC | $21 | — | $21 | 0.13% |
| CHRISTIE E BENNESON3 Filed as: CHRISTIE BENNESON | 921 GREEN STAR DRIVE APARTMENT 1007 COLORADO SPRINGS, CO 80905 | AFLAC | $17 | — | $17 | 0.11% |
| ROBERT BURGETT3 | 1701 WEST 18TH STREET SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $15 | — | $15 | 0.09% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIRCLE ESTERO, FL 33928 | AFLAC | $14 | — | $14 | 0.09% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $14 | — | $14 | 0.09% |
| GARRY FRANK BARBICH3 Filed as: GARRY BARBICH | 4860 HARLAN STREET DENVER, CO 80212 | AFLAC | $13 | — | $13 | 0.08% |
| JOSHUA D TILLEY3 Filed as: JOSHUA TILLEY | 6918 US HIGHWAY 72 ATHENS, AL 35611 | AFLAC | $13 | — | $13 | 0.08% |
| ALMARIE RUSH3 | 15301 PINE TREE WAY BOWIE, MD 20721 | AFLAC | $12 | — | $12 | 0.08% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $10 | — | $10 | 0.06% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | AFLAC | $9 | — | $9 | 0.06% |
| JOHNATHAN KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $7 | — | $7 | 0.04% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $7 | — | $7 | 0.04% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $6 | — | $6 | 0.04% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $6 | — | $6 | 0.04% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PARKWAY SUITE B-2 MIDLAND, GA 31820 | AFLAC | $5 | — | $5 | 0.03% |
| JEREMY HOELKER3 | 10400 EATON PLACE SUITE 400 FAIRFAX, VA 22030 | AFLAC | $5 | — | $5 | 0.03% |
| THOMAS R HAWKINS3 Filed as: THOMAS HAWKINS | 1 SHEPARD DRIVE FLINTVILLE, TN 37335 | AFLAC | $3 | — | $3 | 0.02% |
| JOEL SANDERS3 | 2165 HALCYON BOULEVARD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.02% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON JR | 343 SABAL SPRINGS COURT DEBARY, FL 32713 | AFLAC | $2 | — | $2 | 0.01% |
| TINA WAY3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $2 | — | $2 | 0.01% |
| JOSE DE LOS SANTOS III3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $2 | — | $2 | 0.01% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT | 303 WILLIAMS AVE STE 611 HUNTSVILLE, AL 35801 | MDLIVE | $728 | — | $728 | 10.99% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MDLIVE | 186 | $7K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $373K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $373K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $373K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $373K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.