| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY INSURANCE LLC3 Filed as: COMMUNITY INSURANCE | COMMUNITY INS HUNTSVILLE, AL 35801 | EQUITABLE | $52K | — | $52K | 14.91% |
| GIS BENEFITS INC3 | GIS BENEFITS MORRIS, IL 60450 | EQUITABLE | — | $16K | $16K | 4.60% |
| JOSEPH P CALARCO4 Filed as: JOSEPH N MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $4K | — | $4K | 3.93% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 136 CO RD 7 FLORENCE, AL 35633 | AFLAC | $3K | $482 | $4K | 3.75% |
| MARILYN HUNTER3 | 136 CO RD 7 FLORENCE, AL 35633 | AFLAC | $986 | — | $986 | 1.01% |
| SAIC INC7 | 1639 BARDLEY PARK DR STE 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $976 | — | $976 | 1.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 CO RD 106 FLORENCE, AL 35633 | AFLAC | $732 | $98 | $830 | 0.85% |
| LAKISHA RICKS | 900 TENNESSEE RIVER DR MUSCLE SHOALS, AL 35661 | AFLAC | $525 | $98 | $623 | 0.64% |
| CB&S FINANCIAL SERVICES6 | PO BOX 910 RUSSELLVILLE, AL 35653 | AFLAC | $620 | — | $620 | 0.63% |
| FELICIA A WEAR3 | 89 CEDAR BEND DR FLORENCE, AL 35630 | AFLAC | $507 | — | $507 | 0.52% |
| WAYNE D HESTER3 | 10330 HWY 43 RUSSELLVILLE, AL 35653 | AFLAC | $461 | — | $461 | 0.47% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $419 | — | $419 | 0.43% |
| CARA G FRETWELL3 | 604 E FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $316 | $60 | $376 | 0.38% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $328 | — | $328 | 0.33% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $321 | — | $321 | 0.33% |
| GIBBS MORGAN3 | PO BOX 2684 PEACHTREE CITY, GA 30269 | AFLAC | $235 | — | $235 | 0.24% |
| SUZETTE GOULD3 | 6216 TRUMAN ALDRICH PKWY WEST BLOCTON, AL 35184 | AFLAC | $224 | — | $224 | 0.23% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $147 | — | $147 | 0.15% |
| JASON L WEEKS3 | 14680 CO RD 481 VAN ALSTYNE, TX 75495 | AFLAC | $135 | — | $135 | 0.14% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $121 | — | $121 | 0.12% |
| STEVE C BRANNON3 | 2812 BURNINGTREE MOUNTAIN RD SE DECATUR, AL 35603 | AFLAC | $117 | — | $117 | 0.12% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $86 | — | $86 | 0.09% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $70 | — | $70 | 0.07% |
| STEPHEN B. ALLEN3 Filed as: STEPHEN B ALLEN | 305 W DUNCAN AVE FLORENCE, AL 35630 | AFLAC | $56 | — | $56 | 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% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $49 | — | $49 | 0.05% |
| EDDIE MARTINDALE JR3 | PO BOX 113 WALNUT, MS 38683 | AFLAC | $45 | — | $45 | 0.05% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $36 | — | $36 | 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% |
| MARGUERITE E LEMMON-RINEHART3 | 502 QUITO DRUMMONDS RD DRUMMONDS, TN 38023 | AFLAC | $29 | — | $29 | 0.03% |
| RANDALL BLEVINS3 | 814 LONGBOW DR SW DECATUR, AL 35603 | AFLAC | $27 | — | $27 | 0.03% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $27 | — | $27 | 0.03% |
| LORA CLARIDY3 | 183 CASHION AVE WETUMPKA, AL 36092 | AFLAC | $26 | — | $26 | 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 | 0.02% |
| 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% |
| 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 | $15 | — | $15 | 0.02% |
| PRISCILLA L COLEMAN3 | 1127B QUINN STREET JACKSON, MS 39202 | AFLAC | $15 | — | $15 | 0.02% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $14 | — | $14 | 0.01% |
| ANITA ATKINSON3 Filed as: ANITA D ATKINSON | PO BOX 738 BRANDON, MS 39043 | AFLAC | $12 | — | $12 | 0.01% |
| CHAMCO LLC3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $12 | — | $12 | 0.01% |
| CRAIG M GADDY3 | 1304 7TH AVE JACKSONVILLE, AL 36265 | AFLAC | $11 | — | $11 | 0.01% |
| GREGORY REYNOLDS3 | 1730 CO RD 299 FLORENCE, AL 35634 | AFLAC | $11 | — | $11 | 0.01% |
| AMANDA W. TAYLOR3 Filed as: AMANDA W TAYLOR | 1223 JAMESTOWN DR PRATTVILLE, AL 36067 | AFLAC | $11 | — | $11 | 0.01% |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $9 | — | $9 | 0.01% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $8 | — | $8 | 0.01% |
| MONIQUE E HAHN3 | 201 AIRPORT COMMONS DR CALERA, AL 35040 | 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% |
| 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 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $6 | — | $6 | 0.01% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $6 | — | $6 | 0.01% |
| HENRY HUGH HOLLAND3 | 5594 CONFEDERATE CIRCLE EAST MEMPHIS, TN 38125 | AFLAC | $6 | — | $6 | 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% |
| KENNETH R APPLE3 | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | AFLAC | $5 | — | $5 | 0.01% |
| ROBERT T GRIFFIN3 | 408 SAINT IVES DR MADISON, MS 39110 | AFLAC | $5 | — | $5 | 0.01% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BLVD STE 100 BOWLING GREEN, KY 42104 | AFLAC | $4 | — | $4 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.00% |
| SHIRLEE BLEVINS3 | 814 LONGBOW DR SW DECATUR, AL 35603 | AFLAC | $3 | — | $3 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 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% |
| JAMES STANLEY ALLEN3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | 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% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $1 | — | $1 | 0.00% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $1 | — | $1 | 0.00% |
| ALBERT WELCH III3 | 4209 LAKELAND DR 369 FLOWOOD, MS 39232 | AFLAC | $1 | — | $1 | 0.00% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $1 | — | $1 | 0.00% |
| GINA JOHNSON PATE3 | 314 CO RD 114 RANDOLPH, AL 36792 | AFLAC | $1 | — | $1 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH STREET FORT WORTH, TX 76102 | COMPANION LIFE | $1K | — | $1K | 3.34% |
| BYARS-WRIGHT, INC.3 Filed as: BYARS-WRIGHT INC | 1700 4TH AVE S JASPAR, AL 35501 | COMPANION LIFE | $573 | — | $573 | 1.66% |
| PROVIDENCE ADVISORS LLC3 Filed as: PROVIDENCE BENEFITS LLC | 2000 PROVIDENCE PARK STE 200 BIRMINGHAM, AL 35242 | COMPANION LIFE | $518 | — | $518 | 1.50% |
| ALAN SIMONIS3 | 2707 ARTIE ST SW STE 12 HUNTSVILLE, AL 35805 | COMPANION LIFE | $518 | — | $518 | 1.50% |
| BENEFITS FIRST LLC3 | PO BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 2.41% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL RD JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 1.13% |
| BETTY C HAYNES3 | 5513 POPLAR CORNER RD BROWNSVILLE, TN 38012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 1.13% |
| EMMA M HENDERSON3 | 347 S MAIN STREET MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 1.03% |
| ROBERT E HIGDON3 | 1016 VENUS DR LAWRENCEBURG, KY 40342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.51% |
| FINANCIAL PRODUCTS AND SERVICES3 Filed as: FINANCIAL PRODUCTS AND SERVICES INC | 211 ATHENS WAY NASHVILLE, TN 37228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.47% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DR BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.33% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.22% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.18% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK RD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.17% |
| KINDA JACKSON3 | 1811 BROOKSIE THOMPSON RD DECATURVILLE, TN 38329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| JANICE D RUCKS3 | 691 S BYHALIA RD APT 338 COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| KAREN W GORDON3 | 390 MASTERS DR LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| LAURA BRYANT3 | 10860 HWY 125 SO MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW RD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| 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 | 5.43% |
| EDMUND J PALLONE Filed as: EDMUND WHITE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.49% |
| EDWARD D SOMMER3 Filed as: EDWARD RIKARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $7 | — | $7 | 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 | 689 | 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) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 120 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.