| 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 | $58K | $10K | $69K | 16.65% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $812 | $3 | $815 | 6.19% |
| NATOSHA C. DRAKE3 Filed as: NATOSHA CHERIE DRAKE | 592 BUTTER AND EGG ROAD HAZEL GREEN, AL 35750 | AFLAC | $592 | — | $592 | 4.49% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $199 | $9 | $208 | 1.58% |
| WILLIAM F REAVES3 | 109 PARKER DRIVE HUNTSVILLE, AL 35811 | AFLAC | $166 | $17 | $183 | 1.39% |
| LARRY COUNTS3 | 5024 COUNTY ROAD 214 TRINITY, AL 35673 | AFLAC | $146 | $17 | $163 | 1.24% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $153 | — | $153 | 1.16% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $118 | — | $118 | 0.90% |
| BYRON C LANGDON3 | 5959 GATEWAY BOULEVARD WEST SUITE 369 EL PASO, TX 79925 | AFLAC | $74 | — | $74 | 0.56% |
| BEN RENFROE3 | 111 STORMY DRIVE MUSCLE SHOALS, AL 35661 | AFLAC | $70 | — | $70 | 0.53% |
| ERIN C TOMLINSON3 | 109 MOONGLOW TRAIL HUNTSVILLE, AL 35806 | AFLAC | $60 | — | $60 | 0.46% |
| TONYA M DORMAN3 | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $60 | — | $60 | 0.46% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $42 | — | $42 | 0.32% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $38 | — | $38 | 0.29% |
| CHARLES HOWARD JOBE3 | 6852 AMHERST DRIVE APARTMENT 2108 SAGAMORE HILLS, OH 44067 | AFLAC | $31 | $5 | $36 | 0.27% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GROVE OLD HICKORY, TN 37138 | AFLAC | $31 | — | $31 | 0.24% |
| LAKEESHA GHOLSTON3 | 1219 THOMAS DRIVE SOUTHWEST DECATUR, AL 35601 | AFLAC | $26 | — | $26 | 0.20% |
| BRYAN R. DORMAN3 Filed as: BRYAN R DORMAN | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $25 | — | $25 | 0.19% |
| GARY GIARRATANO3 | 13309 WEST 73RD STREET SHAWNEE, KS 66216 | AFLAC | $22 | — | $22 | 0.17% |
| VALERIE KAY POVEY3 | 112 PATRA DRIVE MADISON, AL 35758 | AFLAC | $11 | $9 | $20 | 0.15% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DRIVE NORTHWEST SUITE G HUNTSVILLE, AL 35805 | AFLAC | $15 | — | $15 | 0.11% |
| CHRISTIE E BENNESON3 | 921 GREEN STAR DRIVE APARTMENT 1007 COLORADO SPRINGS, CO 80905 | AFLAC | $13 | — | $13 | 0.10% |
| JOSH MURILLO3 | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $13 | — | $13 | 0.10% |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIRCLE ESTERO, FL 33928 | AFLAC | $11 | — | $11 | 0.08% |
| CLINT WEIGHT3 | 745 SOUTH 180 WEST SALEM, UT 84653 | AFLAC | $11 | — | $11 | 0.08% |
| GARRY FRANK BARBICH3 | 4860 HARLAN STREET DENVER, CO 80212 | AFLAC | $10 | — | $10 | 0.08% |
| ALMARIE RUSH3 | 15301 PINE TREE WAY BOWIE, MD 20721 | AFLAC | $10 | — | $10 | 0.08% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DRIVE APARTMENT 1B TUSCALOOSA, AL 35401 | AFLAC | $9 | — | $9 | 0.07% |
| VALERIE KAY POVEY3 | 3107 KNOX CIRCLE SOUTHWEST DECATUR, AL 35603 | AFLAC | $9 | — | $9 | 0.07% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $9 | — | $9 | 0.07% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | AFLAC | $7 | — | $7 | 0.05% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $6 | — | $6 | 0.05% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $6 | — | $6 | 0.05% |
| JONATHAN KIRKLAND3 Filed as: JONATHAN SAMUAL KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $6 | — | $6 | 0.05% |
| JOSHUA D TILLEY3 | 6918 US HIGHWAY 72 ATHENS, AL 35611 | AFLAC | $4 | — | $4 | 0.03% |
| JEREMY HOELKER3 | 10400 EATON PLACE SUITE 400 FAIRFAX, VA 22030 | AFLAC | $4 | — | $4 | 0.03% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $3 | — | $3 | 0.02% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36617 | AFLAC | $3 | — | $3 | 0.02% |
| JOHN W AMOS3 | 10051 VETERNANS PARKWAY SUITE B-2 MIDLAND, GA 31820 | AFLAC | $3 | — | $3 | 0.02% |
| THOMAS R HAWKINS3 | 1 SHEPARD DRIVE FLINTVILLE, TN 37335 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 343 SABAL SPRINGS COURT DEBARY, FL 32713 | AFLAC | $2 | — | $2 | 0.02% |
| JOSE DE LOS SANTOS III3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $2 | — | $2 | 0.02% |
| TINA WAY3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $2 | — | $2 | 0.02% |
| JOEL SANDERS3 | 2165 HALCYON BOULEVARD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| VALENT GROUP3 | — | MDLIVE | $2K | — | $2K | 29.80% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MDLIVE | 201 | $7K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $411K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $411K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $411K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $411K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.