| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL S ADAMS3 Filed as: DANIEL S. ADAMS | 3827 SCOTT CHURCH ROAD MARIANNA, FL 32448 | AFLAC | $7K | $467 | $8K | 5.59% |
| TYLER L NORWOOD3 | 119 S MACARTHUR AVE PANAMA CITY, FL 32401 | AFLAC | $3K | $301 | $3K | 2.29% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $2K | $192 | $2K | 1.63% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $2K | $192 | $2K | 1.62% |
| CHASE STEELE3 | 125 BONITA CIRCLE PANAMA CITY, FL 32408 | AFLAC | $2K | $31 | $2K | 1.22% |
| ROBERTO D PRIVETTE3 | 8727 THOMAS DR PANAMA CITY BEACH, FL 32408 | AFLAC | $1K | $143 | $2K | 1.12% |
| STEVEN FALATKO3 Filed as: STEVEN FALATCO | 213 LANDS END CADIZ, KY 42211 | AFLAC | $2K | $15 | $2K | 1.07% |
| TAMMY S GARDNER3 | PO BOX 912 CHIEFLAND, FL 32644 | AFLAC | $1K | $203 | $1K | 0.89% |
| TRUBY E. PERKINS3 | 16496 NW TALAHASSEE BLVD YOUNGSTOWN, FL 32466 | AFLAC | $948 | $115 | $1K | 0.75% |
| TJM BENEFITS3 | PO BOX 16552 PANAMA CITY, FL 32406 | AFLAC | $786 | — | $786 | 0.55% |
| PAMELA S FALATKO3 Filed as: PAMELA S FALATCO | 137 CANDLEWICK PANAMA CITY, FL 32405 | AFLAC | $569 | — | $569 | 0.40% |
| VICTORIA LENCE3 Filed as: VICTORIA J LENCE | 11 HARVARD CIRCLE PANAMA CITY, FL 32405 | AFLAC | $540 | — | $540 | 0.38% |
| CATHERINE R. BLAIR3 | 2826 MCDONALD DRIVE ALFORD, FL 32420 | AFLAC | $491 | $28 | $519 | 0.36% |
| DARRK ENTERPRISES LLC3 | 9542 YARROW CIRCLE SUITE 1 PENSACOLA, FL 32514 | AFLAC | $317 | — | $317 | 0.22% |
| TONYA SUE ELMORE3 | 1930 S HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $266 | $37 | $303 | 0.21% |
| EDDIE J TORRES3 Filed as: EDDIE J. TORRES | P. O. BOX 6309 MIRAMAR BEACH, FL 32550 | AFLAC | $260 | — | $260 | 0.18% |
| JEREMY C ALFORD3 | 11628 NW 9TH LANE GAINESVILLE, FL 32606 | AFLAC | $255 | — | $255 | 0.18% |
| TIMOTHY J GOULET3 | 7774 NAVARRE PARKWAY APT. 1209 NAVARRE, FL 32566 | AFLAC | $244 | — | $244 | 0.17% |
| VICKI M DICKERT3 | 258 SEAVIEW AVENUE DAYTONA BEACH, FL 32118 | AFLAC | $200 | $41 | $241 | 0.17% |
| LES HEILIG3 | 13788 OAK TREE TERRACE JACKSONVILLE, FL 32224 | AFLAC | $234 | — | $234 | 0.16% |
| SABRINA HASKELL3 | P. O. BOX 3274 OCALA, FL 34478 | AFLAC | $216 | — | $216 | 0.15% |
| THOMAS J MALISKEY SR3 | P. O. BOX 16552 PANAMA CITY, FL 32406 | AFLAC | $214 | — | $214 | 0.15% |
| BETH LUANNE KIMBROUGH3 | 6750 N. ANDREWS AVENUE SUITE 200 FT. LAUDERDALE, FL 33309 | AFLAC | $155 | $45 | $200 | 0.14% |
| WILLIAM L DOZIER JR3 Filed as: WILLIAM L DOZIER JR. | 351 PASCOE BLVD. SUITE 100 BOWLING GREEN, KY 42104 | AFLAC | $182 | — | $182 | 0.13% |
| AMANDA SPYRISON3 | 4127 CORNISH DRIVE TALLAHASSEE, FL 32303 | AFLAC | $150 | — | $150 | 0.11% |
| DAVID SPRINGER3 Filed as: DAVID B. SPRINGER | 2986 SAINT STEVENS DRIVE TALLAHASSEE, FL 32312 | AFLAC | $73 | $20 | $93 | 0.07% |
| CINDY L NORWOOD3 | 119 S MACARTHUR AVENUE PANAMA CITY, FL 32401 | AFLAC | $76 | — | $76 | 0.05% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: C H ROBINSON & ASSOCIATES INC. | 101 SE 2ND PLACE SUITE 201A GAINESVILLE, FL 32601 | AFLAC | $72 | $1 | $73 | 0.05% |
| SUSAN P. BUTLER3 | 1279 CAPRI DRIVE PANAMA CITY, FL 32405 | AFLAC | $62 | — | $62 | 0.04% |
| RICHARD F SHOCKLEY3 | 9860 S THOMAS DRIVE UNIT 1501 PANAMA CITY, FL 32408 | AFLAC | $60 | — | $60 | 0.04% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND COURT COLUMBUS, GA 31909 | AFLAC | $52 | — | $52 | 0.04% |
| GARY WHITE3 Filed as: GARY D WHITE | 1607 MONUMENT AVENUE PORT ST. JOE, FL 32456 | AFLAC | $51 | — | $51 | 0.04% |
| JOHN W AMOS3 | 1061 VETERANS PARKWAY #2B MIDLAND, GA 31820 | AFLAC | $47 | — | $47 | 0.03% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $43 | $4 | $47 | 0.03% |
| J C ADAMS INC3 Filed as: J C ADAMS INC. | 5631 NE 31ST TERRACE OCALA, FL 34479 | AFLAC | $46 | — | $46 | 0.03% |
| NATHAN DOBBS3 Filed as: NATHAN RYAN DOBBS | 1115 SANDERS AVENUE APT. E1 GRACEVILLE, FL 32440 | AFLAC | $44 | — | $44 | 0.03% |
| PAUL ANTHONY COMISAK II3 | 6300 E. HIGHWAY 388 YOUNGSTOWN, FL 32460 | AFLAC | $41 | — | $41 | 0.03% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP INC. | 1425 E. PIEDMONT DRIVE SUITE 101-B TALLAHASSEE, FL 32308 | AFLAC | $35 | $4 | $39 | 0.03% |
| LORI L BRADSHAW3 | 309 EDEN DRIVE APT. 21 LONGVIEW, TX 75605 | AFLAC | $37 | — | $37 | 0.03% |
| SHEILA K GILLEY3 | 8804 LORY LANE YOUNGSTOWN, FL 32466 | AFLAC | $34 | — | $34 | 0.02% |
| ANGEL E HILL3 | 500 SE PORT KING STREET SUITE A OCALA, FL 34471 | AFLAC | $32 | — | $32 | 0.02% |
| RJSW & ASSOCIATES INC3 Filed as: RJSW & ASSOCIATES INC. | 1344 VICKERS ROAD TALLAHASSEE, FL 32303 | AFLAC | $29 | — | $29 | 0.02% |
| EMERALD COAST BUSINESS SOLUTIONS3 | 137 CANDLEWICK CR PANAMA CITY, FL 32406 | AFLAC | $28 | — | $28 | 0.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3375 CAPITAL CIRCLE NE B TALLAHASSEE, FL 32308 | AFLAC | $27 | — | $27 | 0.02% |
| WILLIAM S SCOTT JR3 | P. O. BOX 886 HAVANA, FL 32333 | AFLAC | $21 | $2 | $23 | 0.02% |
| SHANNON L TROWBRIDGE3 | 126 CYPRESS VIEW ROAD GOOSE CREEK, SC 29445 | AFLAC | $22 | — | $22 | 0.02% |
| MIRIAM C WATKINS3 | 3456 EXMOUNH LANE TALLAHASSEE, FL 32317 | AFLAC | $22 | — | $22 | 0.02% |
| CHARLES W JONES3 | 3211 AZALEA CIRCLE LYNN HAVEN, FL 32444 | AFLAC | $21 | — | $21 | 0.01% |
| KEITH A SINGLETON3 | P. O. BOX 1391 SANTA ROSA BEACH, FL 32459 | AFLAC | $21 | — | $21 | 0.01% |
| STEPHEN R CAMPBELL3 | 5847 E 94TH EAST PLACE TULSA, OK 74145 | AFLAC | $21 | — | $21 | 0.01% |
| FALATKO & ASSOCIATES INC3 Filed as: FALATKO AND ASSOCIATES INC. | 137 CANDLEWICK CIRCLE PANAMA CITY, FL 32405 | AFLAC | $17 | — | $17 | 0.01% |
| JOHN B COLLINS3 | 311 PEBBLE HOLLOW DRIVE MILLEDGEVILLE, GA 31061 | AFLAC | $16 | — | $16 | 0.01% |
| CHRISTOPHER J ALBRYCHT3 Filed as: CHRISTOPHER J ALBRYGHT | 7 CORTE LAGO SANTA ROSA BEACH, FL 32459 | AFLAC | $14 | — | $14 | 0.01% |
| RONALD M WEAVER3 | 7899 BAYMEADOWS WAY SUITE 4 JACKSONVILLE, FL 32256 | AFLAC | $14 | — | $14 | 0.01% |
| MEREDITH K SCHAEFER3 | 1011 HARBERT STREET TALLAHASSEE, FL 32303 | AFLAC | $13 | — | $13 | 0.01% |
| THE CLEMONS COMPANY3 Filed as: THE CLEMONS CO. INC. | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | AFLAC | $11 | — | $11 | 0.01% |
| LANCE S STANLEY3 | P. O. BOX 910 LYNN HAVEN, FL 32444 | AFLAC | $10 | — | $10 | 0.01% |
| WILLIAM R REGISTER3 | P. O. BOX 2386 THOMASVILLE, GA 31799 | AFLAC | $10 | — | $10 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $7 | — | $7 | 0.00% |
| EARL BACON AGENCY INC3 Filed as: EARL BACON AGENCY INC. | P. O. BOX 12039 TALLAHASSEE, FL 32317 | AFLAC | $7 | — | $7 | 0.00% |
| BARBARA A RIESENBERG3 Filed as: BARBARA A RIESENBERT | 1179 TIGER TRACE BLVD. GULF BREEZE, FL 32663 | AFLAC | $7 | — | $7 | 0.00% |
| GSL MARKETING INC3 Filed as: GSL MARKETING INC. | 14260 W. NEWBERRY ROAD 336 NEWBERRY, FL 32669 | AFLAC | $6 | — | $6 | 0.00% |
| ASSURANCE AGENCY LTD3 Filed as: CROSS ASSURANCE GROUP INC. | 267 JOHN KNOX ROAD SUITE 103 TALLAHASSEE, FL 32303 | AFLAC | $5 | — | $5 | 0.00% |
| MARY E HILL3 Filed as: MARY E. HILL | 2721 SEA LARK LANE MILTON, FL 32583 | AFLAC | $5 | — | $5 | 0.00% |
| MARGARET L MOODY3 Filed as: MARGARET L. MOODY | 1904 MICCOSUKEE ROAD APT. 19 TALLAHASSEE, FL 32308 | AFLAC | $5 | — | $5 | 0.00% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL FITZGERALD INC. | 3672 BAY PT. AUGUSTA, GA 30907 | AFLAC | $3 | — | $3 | 0.00% |
| AMY GREEN3 Filed as: AMY F GREEN | 715 E 53RD STREET SAVANNAH, GA 31405 | AFLAC | $3 | — | $3 | 0.00% |
| KERRY C EZZELL3 | P. O. BOX 15074 AUGUSTA, GA 30919 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT L TRAPNELL JR3 | 16 N. INDIAN RIVER DRIVE APT. 705 COCOA, FL 32922 | AFLAC | $2 | — | $2 | 0.00% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC | $1 | — | $1 | 0.00% |
| BARNES BENEFIT CONSULTANTS, LLC3 Filed as: BARNES BENEFIT CONSULTANTS | 318 N. CALHOUN STREET TALLAHASSEE, FL 323017606 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 3.36% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P. O. BOX 14099 TALLAHASSEE, FL 323174099 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 1.64% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 DEPT. #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $1K | — | $1K | 11.00% |
| GARY M. STOREY3 Filed as: GARY STOREY | 1102 SELKIRK DRIVE DOTHAN, AL 36303 | USABLE LIFE | $207 | — | $207 | 1.82% |
| BRENDA ADKINSON BARNES3 | 822 BOAT LANDING ROAD GORDON, AL 36343 | USABLE LIFE | $134 | — | $134 | 1.18% |
| RICHARD E. BYRD3 Filed as: RICHARD BYRD | 3713 TUDOR LANE S MOBILE, AL 36608 | USABLE LIFE | $94 | — | $94 | 0.83% |
| JOHN MCDONNELL3 Filed as: JOHN WILLIAMS | C/0 BCBSAL DISTRICT OFFICE 4465 PARK BLVD. MONTGOMERY, AL 36116 | USABLE LIFE | $19 | — | $19 | 0.17% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 345 | $86K |
| Vision | AFLAC | 227 | $142K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 270 | $154K |
| Short-term disability | AFLAC | 227 | $142K |
| Other(2 contracts, 2 carriers) | AFLAC | 270 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.