| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | SOUTHLAND DENTAL CORP | $34K | — | $34K | 10.00% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | NATIONAL GUARDIAN LIFE | $9K | — | $9K | 10.01% |
| JO ANN KIRKLAND3 | 436 SOWELL RD DOTHAN, AL 36301 | AFLAC | $2K | $39 | $2K | 4.87% |
| JOHN DORAN SHEPPARD3 | 801 W MAIN ST DOTHAN, AL 36301 | AFLAC | $955 | $25 | $980 | 2.20% |
| JO ANN KIRKLAND3 | PO BOX 9981 DOTHAN, AL 36304 | AFLAC | $806 | $67 | $873 | 1.96% |
| SAIC INC3 | 1639 BRADLEY PARK DRIVE, ST 500 BOX 358 COLUMBUS, GA 31907 | AFLAC | $740 | — | $740 | 1.66% |
| DANIEL S ADAMS3 | 3857 SCOTT CHURCH RD MARIANNA, FL 32448 | AFLAC | $575 | $25 | $600 | 1.34% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DR OPELIKA, AL 36801 | AFLAC | $300 | — | $300 | 0.67% |
| MICHELLE S OSTBLOOM3 | PO BOX 936 POOLER, GA 31322 | AFLAC | $194 | — | $194 | 0.43% |
| CARYLLE L QUINN3 | 6520 CALLE DE LAGO NAVARRE, FL 32566 | AFLAC | $188 | — | $188 | 0.42% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $184 | — | $184 | 0.41% |
| LARRY L JENKINS3 Filed as: LARRY JENKINS | 200 N SAINT ANDREWS ST STE 4 DOTHAN, AL 36303 | AFLAC | $114 | — | $114 | 0.26% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $82 | — | $82 | 0.18% |
| LEO P TISA3 | PO BOX 898 NICEVILLE, FL 32588 | AFLAC | $58 | — | $58 | 0.13% |
| THOMAS E NORMAN3 | 917 ELDORADO DR DOTHAN, AL 36303 | AFLAC | $51 | — | $51 | 0.11% |
| WALTER KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $49 | — | $49 | 0.11% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $45 | — | $45 | 0.10% |
| JOCELYN W RICHBURG3 | 102 KIMBERLY ST HEADLAND, AL 36345 | AFLAC | $37 | — | $37 | 0.08% |
| PAUL ANTHONY COMISAK II3 | 6300 E HIGHWAY 388 YOUNGSTOWN, FL 32466 | AFLAC | $36 | — | $36 | 0.08% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $35 | — | $35 | 0.08% |
| JAMES M PITZ3 Filed as: JAMES K HALL | 71 FOX GLOVE CT CATAULA, GA 31804 | AFLAC | $35 | — | $35 | 0.08% |
| BARBARA R KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $34 | — | $34 | 0.08% |
| PAUL S WATKINS3 | PO BOX 269 TROY, AL 36081 | AFLAC | $30 | — | $30 | 0.07% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $28 | — | $28 | 0.06% |
| BRENDA WALTON HALL3 | 71 FOX GLOVE CT CATAULA, GA 31804 | AFLAC | $28 | — | $28 | 0.06% |
| JOHN MCDONNELL3 Filed as: JOHN R WILLIAMS | 205 FOXRUN TRAIL DOTHAN, AL 36303 | AFLAC | $27 | — | $27 | 0.06% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $25 | — | $25 | 0.06% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $25 | — | $25 | 0.06% |
| BUCK MAYO JR3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $23 | — | $23 | 0.05% |
| LARRY L JENKINS3 | 285 N FOSTER ST, STE 313 DOTHAN, AL 36303 | AFLAC | $19 | — | $19 | 0.04% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $16 | — | $16 | 0.04% |
| MARGARET E MAYO3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $13 | — | $13 | 0.03% |
| RICKEY L BOOTHE3 | PO BOX 584 OPP, AL 36467 | AFLAC | $12 | — | $12 | 0.03% |
| FLOWERS INSURANCE AGENCY LLC3 | 2501 W MAIN ST STE 500 DOTHAN, AL 36301 | AFLAC | $11 | — | $11 | 0.02% |
| CAROLYN R TAYLOR3 | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $10 | — | $10 | 0.02% |
| STEVEN BREWER3 Filed as: STEVEN W BREWER | 1007 CHARIOT DR SODDY DAISY, TN 37379 | AFLAC | $6 | — | $6 | 0.01% |
| CHAD LEONARD JOHNSON3 | 16 BAGBY POINT RD, APT B JACKSON, TN 38305 | AFLAC | $6 | — | $6 | 0.01% |
| HAZEL G JOHNSON3 | 67 ROCKWOOD DR JACKSON, TN 38305 | AFLAC | $6 | — | $6 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN E HICKS3 | 5073 DONOVAN ST FRANKLIN, TN 37064 | AFLAC | $4 | — | $4 | 0.01% |
| JOEL SANDERS3 Filed as: JOEL A SANDERS | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.01% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.53% |
| PR INSURANCE LLC3 | 113 ADRIS PLACE DOTHAN, AL 36303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $674K |
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 | 924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOUTHLAND DENTAL CORP | 647 | $341K |
| Vision | NATIONAL GUARDIAN LIFE | 607 | $88K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $40K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $31K |
| Other(3 contracts, 2 carriers) | AFLAC | 48 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.