| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE LLC3 | 100 CHURCH ST SUITE 600 HUNTSVILLE, AL 35801 | PRUDENTIAL | $16K | — | $16K | 4.01% |
| CB&S FINANCIAL SERVICES3 | PO BOX 910 RUSSELLVILLE, AL 35653 | PRUDENTIAL | $16K | — | $16K | 4.01% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $156 | $156 | 0.04% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $6K | $571 | $7K | 5.92% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $2K | — | $2K | 1.45% |
| SAIC INC7 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $1K | — | $1K | 1.34% |
| CB&S FINANCIAL SERVICES6 | PO BOX 910 RUSSELLVILLE, AL 35653 | AFLAC | $1K | — | $1K | 1.31% |
| JOSEPH P CALARCO4 Filed as: JOSEPH N MCBRIDE | 1121 N WOOD AVE FLORENCE, AL 35630 | AFLAC | $1K | — | $1K | 1.15% |
| WAYNE D HESTER | 10330 HWY 43 RUSSELLVILLE, AL 35653 | AFLAC | $847 | — | $847 | 0.76% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $761 | $84 | $845 | 0.76% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $591 | $111 | $702 | 0.63% |
| FELICIA A WEAR3 | 89 CEDAR BEND DR FLORENCE, AL 35630 | AFLAC | $603 | — | $603 | 0.54% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 327 S WALNUT ST FLORENCE, AL 35630 | AFLAC | $585 | $4 | $589 | 0.53% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $584 | — | $584 | 0.53% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DR APT 1B TUSCALOOSA, AL 35401 | AFLAC | $514 | — | $514 | 0.46% |
| WORTHAM SAN ANTONIO INC Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $340 | — | $340 | 0.31% |
| STEVEN L MOORE | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $294 | — | $294 | 0.26% |
| JASON L WEEKS3 | 204 SOUTH MAIN SUITE 120 130 KELLER, TX 76248 | AFLAC | $273 | — | $273 | 0.25% |
| CARA G FRETWELL3 | 604 E FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $266 | — | $266 | 0.24% |
| RALPH H KEELER4 Filed as: RALPH S MANN | 254 SEVILLE STREET STE A FLORENCE, AL 35630 | AFLAC | $182 | — | $182 | 0.16% |
| SUZANNE M WASSNER3 | PO BOX 5 SHEFFIELD, AL 35660 | AFLAC | $149 | — | $149 | 0.13% |
| REX L BROOKS7 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $139 | — | $139 | 0.13% |
| PHYLLIS DAWN HESLEP Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $117 | — | $117 | 0.11% |
| EDDIE MARTINDALE JR3 | PO BOX 113 WALNUT, MS 38683 | AFLAC | $77 | — | $77 | 0.07% |
| CHARLES K LOWERY3 | 522 ALABAMA STREET KILLEN, AL 35645 | AFLAC | $68 | — | $68 | 0.06% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DR FLORENCEE, AL 35630 | AFLAC | $48 | — | $48 | 0.04% |
| ROBERT BROCK3 | 1550 NEW LAKE RD LEWISBURG, TN 37091 | AFLAC | $47 | — | $47 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $46 | — | $46 | 0.04% |
| ROBERT T GRIFFIN3 | 5133 CANTON HEIGHTS DR JACKSON, MS 39211 | AFLAC | $34 | — | $34 | 0.03% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $32 | — | $32 | 0.03% |
| THOMAS J PITZENBERGER3 | 7150 CAMPUS DRIVE STE 114 COLORADO SPRINGS, CO 80920 | AFLAC | $30 | — | $30 | 0.03% |
| MARGUERITE E LEMMON-RINEHART3 | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $29 | — | $29 | 0.03% |
| THOMAS P O'REAR3 | 10105 LONDONSHIRE LN TAMPA, FL 33647 | AFLAC | $25 | — | $25 | 0.02% |
| RANDALL BLEVINS3 | 8141 ONGBOW DR SW DECATUR, AL 35603 | AFLAC | $25 | — | $25 | 0.02% |
| D P SMITH3 | PO BOX 16671 JACKSON, MS 39236 | AFLAC | $20 | — | $20 | 0.02% |
| DENNIS L BRELAND3 | 6600 WOODED ACRES RD VANCLEAVE, MS 39565 | AFLAC | $18 | — | $18 | 0.02% |
| DAVID L KLEVAN3 | 2966 POPLAR GROVE LANE GERMANTOWN, TN 38139 | AFLAC | $18 | — | $18 | 0.02% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LN MEMPHIS, TN 38120 | AFLAC | $16 | — | $16 | 0.01% |
| PRISCILLA L COLEMAN3 | 11278 QUINN STREET JACKSON, MS 39202 | AFLAC | $15 | — | $15 | 0.01% |
| JACK MONTGOMERY3 | 3128 HEATHERHILL DR SE HUNTSVILLE, AL 35802 | AFLAC | $15 | — | $15 | 0.01% |
| ALBERT WELCH III3 | 4209 LAKELAND DR 369 FLOWOOD, MS 39232 | AFLAC | $14 | — | $14 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PKWY 25 MIDLAND, GA 31820 | AFLAC | $14 | — | $14 | 0.01% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT STREET STC 116 39 FRANKLIN, TN 37064 | AFLAC | $14 | — | $14 | 0.01% |
| MCANALLY INSURANCE AGENCY INC3 | PO BOX 399 BELMONT, MS 38827 | AFLAC | $13 | — | $13 | 0.01% |
| DAVID C HENRY3 | PO BOX 662 HOUSTON, MS 38851 | AFLAC | $12 | — | $12 | 0.01% |
| PHILIP M CHURCHILL3 | 5114 MILLWOOD DRIVE CANTON, GA 30114 | AFLAC | $12 | — | $12 | 0.01% |
| ROBERT C WEBB3 | 1856 PENSHURST DRIVE COLLIERVILLE, TN 38017 | AFLAC | $12 | — | $12 | 0.01% |
| ANITA ATKINSON3 Filed as: ANITA D ATKINSON | 1700 W GOVERNMENT ST STE N BUILDING A BRANDON, MS 39042 | AFLAC | $11 | — | $11 | 0.01% |
| BILLY GILBERT3 | 1807 PETTUS CIRCLE NE HUNTSVILLE, AL 35811 | AFLAC | $10 | — | $10 | 0.01% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 309 NEWPOINTE DR STE B RIDGELAND, MS 39157 | AFLAC | $9 | — | $9 | 0.01% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $9 | — | $9 | 0.01% |
| D AND V BUTLER INC3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $8 | — | $8 | 0.01% |
| LESLIE H SILTMAN3 | 108 SHORT STREET GALLATIN, TN 37066 | AFLAC | $8 | — | $8 | 0.01% |
| ALBERT H KING3 | 4 QUAIL CREEK RD NATCHEZ, MS 39120 | AFLAC | $8 | — | $8 | 0.01% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $7 | — | $7 | 0.01% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $7 | — | $7 | 0.01% |
| INSGROUP INC3 Filed as: M & F INSURANCE GROUP INC/TUPELO | PO BOX 707 KOSCIUSKO, MS 39090 | AFLAC | $6 | — | $6 | 0.01% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $6 | — | $6 | 0.01% |
| NEIL M MORGAN JR3 | 1056 ESTATES COURT PORTSMOUTH, VA 23703 | AFLAC | $6 | — | $6 | 0.01% |
| DALE CARTER SR3 | 6115 EDEN SQ CRESTVIEW, FL 32539 | AFLAC | $6 | — | $6 | 0.01% |
| LYNN C WENTWORTH3 | 137 EXECUTIVE DR STE E MADISON, MS 39110 | AFLAC | $5 | — | $5 | 0.00% |
| HENRY HUGH HOLLAND3 | 5594 CONFEDERATE CIRCLE EAST MEMPHIS, TN 38125 | AFLAC | $5 | — | $5 | 0.00% |
| MONIQUE E HAHN3 Filed as: MONIQUE HAHN | 100 18TH ST S STE 111 BIRMINGHAM, AL 35233 | AFLAC | $4 | — | $4 | 0.00% |
| TASHA WILBURN DOZIER3 | 151 HIGHLAND RIDGE DR SALTILLO, MS 38866 | AFLAC | $4 | — | $4 | 0.00% |
| STEVEN L MOORE3 | 8336 BRITTANY PL MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $3 | — | $3 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.00% |
| BRIAN K CHAMBERS3 Filed as: BRIAN CHAMBERS | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN BECK3 | PO BOX 5388 COLUMBUS, GA 31906 | AFLAC | $3 | — | $3 | 0.00% |
| J STAN ALLEN INC3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $2 | — | $2 | 0.00% |
| ELLA OGLESBY3 | 10002 SUMMER WOODS CT MOBILE, AL 36695 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT MOBLEY3 | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $1 | — | $1 | 0.00% |
| EUGENE L PORTER III3 Filed as: EUGENE PORTER III | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES ALLEN3 | 1800 BUFNA VISTA RD COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| BOBBY R STEWART3 Filed as: BOBBY WAYNE TERRELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $132 | — | $132 | 4.99% |
| BRANDON PENKO3 Filed as: BRANDON BREWER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.57% |
| EDWARD D SOMMER3 Filed as: EDWARD RIKARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.38% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 349 | $55K |
| Life insurance | PRUDENTIAL | 489 | $408K |
| Short-term disability | AFLAC | 155 | $111K |
| Long-term disability | PRUDENTIAL | 489 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.