| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE LLC3 | 100 CHURCH ST SUITE 600 HUNTSVILLE, AL 35801 | PRUDENTIAL | $21K | — | $21K | 7.87% |
| CB&S FINANCIAL SERVICES Filed as: CB&S FINANCIAL SERVICES INC | PO BOX 910 RUSSELLVILLE, AL 35653 | PRUDENTIAL | $21K | — | $21K | 7.87% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $97 | $97 | 0.04% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $4K | — | $4K | 4.27% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $1K | — | $1K | 1.43% |
| CARA G FRETWELL3 | 604 E FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $1K | — | $1K | 1.37% |
| SAIC INC7 | 1639 BARDLEY PARK DR STE 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $1K | — | $1K | 1.17% |
| JOSEPH P CALARCO4 Filed as: JOSEPH N MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $775 | — | $775 | 0.83% |
| STEVE C BRANNON3 | 2812 BURNINGTREE MOUNTAIN RD SE DECATUR, AL 35603 | AFLAC | $718 | — | $718 | 0.77% |
| CB&S FINANCIAL SERVICES6 | PO BOX 910 RUSSELLVILLE, AL 35653 | AFLAC | $689 | — | $689 | 0.74% |
| FELICIA A WEAR3 | 89 CEDAR BEND DR FLORENCE, AL 35630 | AFLAC | $613 | — | $613 | 0.66% |
| WAYNE D HESTER3 | 10330 HWY 43 RUSSELLVILLE, AL 35653 | AFLAC | $538 | — | $538 | 0.58% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $492 | — | $492 | 0.53% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 CO RD 106 FLORENCE, AL 35633 | AFLAC | $484 | — | $484 | 0.52% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $386 | — | $386 | 0.41% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $358 | — | $358 | 0.38% |
| GIBBS MORGAN3 | PO BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $256 | — | $256 | 0.27% |
| SUZETTE GOULD3 | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $235 | — | $235 | 0.25% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $204 | — | $204 | 0.22% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $153 | — | $153 | 0.16% |
| JASON L WEEKS3 | 8191 HIGHWAY 46 N SHERIDAN, AR 72150 | AFLAC | $135 | — | $135 | 0.14% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $95 | — | $95 | 0.10% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $89 | — | $89 | 0.10% |
| STEPHEN B. ALLEN3 Filed as: STEPHEN B ALLEN | 305 W DUNCAN AVE FLORENCE, AL 35630 | AFLAC | $56 | — | $56 | 0.06% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $54 | — | $54 | 0.06% |
| REX L BROOKS7 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $50 | — | $50 | 0.05% |
| SUZANNE M WASSNER3 | 219 BEARDSLEY CT MUSCLE SHOALS, AL 35661 | AFLAC | $50 | — | $50 | 0.05% |
| EDDIE MARTINDALE JR3 | PO BOX 113 WALNUT, MS 38683 | AFLAC | $45 | — | $45 | 0.05% |
| RANDALL BLEVINS3 | 814 LONGBOW DR SW DECATUR, AL 35603 | AFLAC | $44 | — | $44 | 0.05% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $38 | — | $38 | 0.04% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV STE 201 EADS, TN 38028 | AFLAC | $36 | — | $36 | 0.04% |
| JACK MONTGOMERY3 | 3128 HEATHERHILL DR SE HUNTSVILLE, AL 35802 | AFLAC | $35 | — | $35 | 0.04% |
| ROBERT T GRIFFIN3 | 408 SAINT IVES DR MADISON, MS 39110 | AFLAC | $35 | — | $35 | 0.04% |
| LAKISHA RICKS | 2235 LEE HEIGHTS CIR LEIGHTON, AL 35646 | AFLAC | $33 | — | $33 | 0.04% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $29 | — | $29 | 0.03% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $28 | — | $28 | 0.03% |
| BILLY GILBERT Filed as: BILLY D GILBERT | 1807 PETTUS CIR NE HUNTSVILLE, AL 35811 | AFLAC | $25 | — | $25 | 0.03% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LN MEMPHIS, TN 38120 | AFLAC | $24 | — | $24 | 0.03% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $19 | — | $19 | 0.02% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INS SVCS OF TN LLC | 480 OIL WELL RD JACKSON, TN 38305 | AFLAC | $19 | — | $19 | 0.02% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $18 | — | $18 | 0.02% |
| DAVID L KLEVAN3 | PO BOX 38219 GERMANTOWN, TN 38183 | AFLAC | $18 | — | $18 | 0.02% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $17 | — | $17 | 0.02% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $16 | — | $16 | 0.02% |
| PRISCILLA L COLEMAN3 | 1127B QUINN STREET JACKSON, MS 39202 | AFLAC | $15 | — | $15 | 0.02% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $15 | — | $15 | 0.02% |
| ALBERT WELCH III3 | 4209 LAKELAND DR 369 FLOWOOD, MS 39232 | AFLAC | $14 | — | $14 | 0.01% |
| MCANALLY INSURANCE AGENCY INC3 | PO BOX 399 BELMONT, MS 38827 | AFLAC | $13 | — | $13 | 0.01% |
| ANITA ATKINSON3 Filed as: ANITA D ATKINSON | PO BOX 738 BRANDON, MS 39043 | AFLAC | $11 | — | $11 | 0.01% |
| GREGORY REYNOLDS3 | 1730 CO RD 299 FLORENCE, AL 35634 | AFLAC | $11 | — | $11 | 0.01% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $9 | — | $9 | 0.01% |
| SHIRLEE BLEVINS3 | 814 LONGBOW DR SW DECATUR, AL 35603 | AFLAC | $8 | — | $8 | 0.01% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $8 | — | $8 | 0.01% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $7 | — | $7 | 0.01% |
| JOHN BECK3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $7 | — | $7 | 0.01% |
| THOMAS P O'REAR3 | 14913 EVERSHINE ST TAMPA, FL 33624 | AFLAC | $6 | — | $6 | 0.01% |
| MONIQUE E HAHN3 | 217 SAVANNAH AVE STATESBORO, GA 30458 | AFLAC | $6 | — | $6 | 0.01% |
| INSGROUP INC3 Filed as: M & F INSURANCE GROUP INC/TUPELO | PO BOX 707 KOSCIUSKO, MS 39090 | AFLAC | $6 | — | $6 | 0.01% |
| NEIL M MORGAN JR3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $6 | — | $6 | 0.01% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $6 | — | $6 | 0.01% |
| BRIAN K CHAMBERS3 Filed as: BRIAN CHAMBERS | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $6 | — | $6 | 0.01% |
| HENRY HUGH HOLLAND3 | 5594 CONFEDERATE CIRCLE EAST MEMPHIS, TN 38125 | AFLAC | $5 | — | $5 | 0.01% |
| KENNETH R APPLE3 | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | AFLAC | $5 | — | $5 | 0.01% |
| J STAN ALLEN INC3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $5 | — | $5 | 0.01% |
| PORTIA A PONDS3 | PO BOX 1141 CORDOVA, TN 38088 | AFLAC | $5 | — | $5 | 0.01% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BLVD STE 100 BOWLING GREEN, KY 42104 | AFLAC | $4 | — | $4 | 0.00% |
| DEBRA V BOOKER3 | 3838 BORMAN LOOP GULF SHORES, AL 36542 | AFLAC | $3 | — | $3 | 0.00% |
| NANCY D WEBB3 | 1856 PENSHURST DR COLLIERVILLE, TN 38017 | AFLAC | $3 | — | $3 | 0.00% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.00% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $3 | — | $3 | 0.00% |
| ROBERT MOBLEY3 | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $3 | — | $3 | 0.00% |
| PHILIP M CHURCHILL3 | 2000 AVONLEA PL APT 202 WOODSTOCK, GA 30189 | AFLAC | $3 | — | $3 | 0.00% |
| LYNN C WENTWORTH3 | 164 ASHTON PARK BLVD MADISON, MS 39110 | AFLAC | $3 | — | $3 | 0.00% |
| EUGENE L PORTER III3 Filed as: EUGENE PORTER III | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES STANLEY ALLEN3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $2 | — | $2 | 0.00% |
| MONIQUE E HAHN | 3090 HIGHWAY 280 E APT 1415 VESTAVIA, AL 35243 | AFLAC | $2 | — | $2 | 0.00% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID C HENRY3 | 36 ELM LN ECRU, MS 38841 | AFLAC | — | — | $0 | 0.00% |
| BILLY GILBERT3 | 1807 PETTUS CIRCLE NE HUNTSVILLE, AL 35811 | AFLAC | — | — | $0 | 0.00% |
| LESLIE H SILTMAN3 | 207 MOORE DR BATESVILLE, MS 38606 | AFLAC | — | — | $0 | 0.00% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | VISION SERVICE PLAN | $7K | — | $7K | 10.01% |
| BENEFITS FIRST LLC3 | PO BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 2.56% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL RD JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 1.19% |
| BETTY C HAYNES3 | 5513 POPLAR CORNER RD BROWNSVILLE, TN 38012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 1.18% |
| EMMA M HENDERSON3 | 347 S MAIN STREET MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 1.08% |
| FINANCIAL PRODUCTS AND SERVICES3 Filed as: FINANCIAL PRODUCTS AND SERVICES INC | 211 ATHENS WAY NASHVILLE, TN 37228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.57% |
| ROBERT E HIGDON3 | 1016 VENUS DR LAWRENCEBURG, KY 40342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.54% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DR BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.42% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.27% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK RD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.20% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.19% |
| KINDA JACKSON3 | 1811 BROOKSIE THOMPSON RD DECATURVILLE, TN 38329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.11% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN NO 4 MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| KAREN W GORDON3 | 390 MASTERS DR LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.08% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.08% |
| LAURA BRYANT3 | 10860 HWY 125 SO MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW RD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| VICKIE E LEWIS3 | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| LVI BENEFITS SERVICES LLC3 Filed as: LVI BENEFITS LLC | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BOBBY R STEWART3 Filed as: BOBBY WAYNE TERRELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $99 | — | $99 | 3.74% |
| EDWARD D SOMMER3 Filed as: EDWARD RIKARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ASO CONTRACT | Accounting (including auditing) Service code 10 | 450 RIVERCHASE PARKWAY E BIRMINGHAM, AL 352369832 | $21K |
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 | 657 | 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) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 397 | $74K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL | 494 | $271K |
| Short-term disability | AFLAC | 129 | $93K |
| Long-term disability | PRUDENTIAL | 494 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.