| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | SOUTHLAND NATIONAL INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| JO ANN KIRKLAND3 | PO BOX 9981 DOTHAN, AL 36304 | AFLAC | $4K | $298 | $4K | 5.93% |
| JOHN DORAN SHEPPARD3 Filed as: JOHN SHEPPARD | 801 W MAIN ST DOTHAN, AL 36301 | AFLAC | $2K | $101 | $2K | 2.30% |
| SAIC INC3 Filed as: SAIC INC. | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $1K | — | $1K | 1.48% |
| AUDREY TOOLEY3 | 601 N 5TH ST. OZARK, AR 72949 | AFLAC | $741 | $158 | $899 | 1.20% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DR. OPELIKA, AL 36801 | AFLAC | $764 | $79 | $843 | 1.13% |
| DANIEL V ADAMS3 Filed as: DANIEL ADAMS | 3857 SCOTT CHURCH ROAD MARIANNA, FL 32448 | AFLAC | $420 | — | $420 | 0.56% |
| PR INSURANCE LLC3 | PO BOX 8516 DOTHAN, AL 36304 | AFLAC | $367 | — | $367 | 0.49% |
| CARYLLE L QUINN3 Filed as: CARYLLE QUINN | 2547 HIDDEN ESTATES CIR NAVARRE, FL 32566 | AFLAC | $331 | — | $331 | 0.44% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR. PACE, FL 32571 | AFLAC | $291 | — | $291 | 0.39% |
| PAUL ANTHONY COMISAK II3 Filed as: PAUL COMISAK II | 6300 E HIGHWAY 388 YOUNGSTOWN, FL 32466 | AFLAC | $176 | — | $176 | 0.24% |
| WALTER KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $140 | — | $140 | 0.19% |
| DAVID J MCCLELLAN3 Filed as: DAVID CIAMPOLI | 1204 BIG OAK DR ALMA, AR 72921 | AFLAC | $107 | $27 | $134 | 0.18% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10057 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $117 | — | $117 | 0.16% |
| ROBERT MOBLEY3 | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $111 | — | $111 | 0.15% |
| MICHELLE S OSTBLOOM3 Filed as: MICHELLE OSTBLOOM | PO BOX 936 POOLER, GA 31322 | AFLAC | $58 | $32 | $90 | 0.12% |
| BRENDA K FLANNERY3 Filed as: BRENDA FLANNERY | PO BOX 9653 FAYETTEVILLE, AR 72703 | AFLAC | $77 | — | $77 | 0.10% |
| LEO P TISA3 Filed as: LEO TISA | PO BOX 898 NICEVILLE, FL 32588 | AFLAC | $75 | — | $75 | 0.10% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $71 | — | $71 | 0.10% |
| BARBARA R KOGUT3 Filed as: BARBARA KOGUT | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $71 | — | $71 | 0.10% |
| CAROLYN TAYLOR3 | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $67 | — | $67 | 0.09% |
| JOCELYN W RICHBURG3 Filed as: JOCELYN RICHBURG | 102 KIMBERLY ST HEADLAND, AL 36345 | AFLAC | $29 | $32 | $61 | 0.08% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $56 | — | $56 | 0.07% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR. | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $50 | — | $50 | 0.07% |
| ELLEN WILLIAMS3 | 205 FOXRUN TRAIL DOTHAN, AL 36303 | AFLAC | $45 | — | $45 | 0.06% |
| CHARLES HARTHUN3 | 105 CASSADY PLACE CROSSVILLE, TN 38555 | AFLAC | $42 | — | $42 | 0.06% |
| REBECCA BANDY3 | 18039 DON DR SPIRO, OK 74959 | AFLAC | $32 | $4 | $36 | 0.05% |
| RICKEY L BOOTHE3 Filed as: RICKEY BOOTHE | PO BOX 584 OPP, AL 36467 | AFLAC | $31 | — | $31 | 0.04% |
| FLOWERS INSURANCE AGENCY LLC3 | 2501 WEST MAIN ST. SUITE 500 DOTHAN, AL 36301 | AFLAC | $30 | — | $30 | 0.04% |
| PAUL S WATKINS3 Filed as: PAUL WATKINS | PO BOX 269 TROY, AL 36081 | AFLAC | $28 | — | $28 | 0.04% |
| BRAD S MORRIS3 Filed as: BRAD MORRIS | 203 LIVEOAK TRL DOTHAN, AL 36305 | AFLAC | $21 | $6 | $27 | 0.04% |
| RONALD D HOWARD3 Filed as: RONALD HOWARD | 312 JAMES ST TALLASSEE, AL 36078 | AFLAC | $24 | — | $24 | 0.03% |
| THOMAS E NORMAN3 Filed as: THOMAS NORMAN | 917 ELDORADO DRIVE DOTHAN, AL 36303 | AFLAC | $24 | — | $24 | 0.03% |
| RHONDA M WHIDDON3 Filed as: RHONDA WHIDDON | 120 TELFORD PLAN DOTHAN, AL 36305 | AFLAC | $24 | — | $24 | 0.03% |
| JOHN C POLLOCK3 Filed as: JOHN POLLOCK | 600 UNIVERSITY OFFICE BLVD STE. 12 PENSACOLA, FL 32504 | AFLAC | $23 | — | $23 | 0.03% |
| GARY DOMBROSKI3 | 414 FULTON DRIVE MIDLAND CITY, AL 36350 | AFLAC | $22 | — | $22 | 0.03% |
| JULIANA SHORES3 | 159 CALHOUN AVE DESTIN, FL 32541 | AFLAC | $22 | — | $22 | 0.03% |
| BUCK MAYO JR3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $22 | — | $22 | 0.03% |
| CAROL S JOSSERAND3 Filed as: CAROL JOSSERAND | 104 SANDTRAP RD #101 MIRAMAR BEACH, FL 32550 | AFLAC | $21 | — | $21 | 0.03% |
| RICHARD G MCGOWAN3 Filed as: RICHARD TERRELL | 5173 KENDAL CT COLUMBUS, GA 31907 | AFLAC | $17 | — | $17 | 0.02% |
| MARGARET E MAYO3 Filed as: MARGARET MAYO | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $17 | — | $17 | 0.02% |
| EARL CAULEY JR3 | 715 WOODKIRK CIR ALMA, AR 72921 | AFLAC | $15 | — | $15 | 0.02% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $12 | — | $12 | 0.02% |
| JAMES M PITZ3 Filed as: JAMES HALL | 71 FOX GLOVE CT CATAULA, GA 31804 | AFLAC | $11 | — | $11 | 0.01% |
| SHEILA K GODWIN3 Filed as: SHEILA GODWIN | 336 HARPER JOY RD DOTHAN, AL 36301 | AFLAC | $11 | — | $11 | 0.01% |
| RONALD BENTLEY3 | 6301 FIELDCREST DR FORT SMITH, AR 72916 | AFLAC | $11 | — | $11 | 0.01% |
| JEFFREY L COLLINS3 Filed as: JEFFREY COLLINS | 359 APPLEFORD RD HELENA, AL 35080 | AFLAC | $11 | — | $11 | 0.01% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC. | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $9 | — | $9 | 0.01% |
| BETH ANNE DARNELL3 Filed as: BETH DARNELL | 457 HOOK RD ALEXANDER CITY, AL 35010 | AFLAC | $9 | — | $9 | 0.01% |
| BRENDA WALTON HALL3 Filed as: BRENDA HALL | 71 FOX GLOVE CT CATAULA, GA 31804 | AFLAC | $9 | — | $9 | 0.01% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $8 | — | $8 | 0.01% |
| KELVIN MICHAEL RICE3 Filed as: KELVIN RICE | 102 CRICHTON CT DOTHAN, AL 36305 | AFLAC | $8 | — | $8 | 0.01% |
| EUGENE L PORTER III3 Filed as: EUGENE PORTER III | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $8 | — | $8 | 0.01% |
| MELVIN D BAILEY3 Filed as: MELVIN BAILEY | 3001 GLEN CHASE CT CLEMMONS, NC 27012 | AFLAC | $7 | — | $7 | 0.01% |
| HELEN M HOLLOWAY3 | 1083 SANDERS AVE GRACEVILLE, FL 32440 | AFLAC | $6 | — | $6 | 0.01% |
| BRIAN K CHAMBERS3 Filed as: BRIAN CHAMBERS | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $5 | — | $5 | 0.01% |
| ELSIE CLINE3 | 3209 SILVER LAKE DR PHENIX CITY, AL 36867 | AFLAC | $4 | — | $4 | 0.01% |
| KEITH BELICH3 | 2740 CENTRAL PKWY MONTGOMERY, AL 36106 | AFLAC | $3 | — | $3 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.00% |
| GEORGE G DICKEY3 Filed as: GEORGE DICKEY | PO BOX 2575 CONWAY, AR 72033 | AFLAC | $2 | — | $2 | 0.00% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | NATIONAL GUARDIAN LIFE | $5K | — | $5K | 9.69% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.72% |
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 | 1,462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 760 | $4.7M |
| Dental | SOUTHLAND NATIONAL INSURANCE COMPANY | 513 | $233K |
| Vision | NATIONAL GUARDIAN LIFE | 419 | $50K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 570 | $17K |
| Short-term disability | AFLAC | 91 | $75K |
| Long-term disability | AFLAC | 91 | $75K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 760 | $4.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 570 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.