| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JREED AGENCY LLC Filed as: THE JREED AGENCY, LLC | 29167 FLEETA RD OPP, AL 36467 | AFLAC | $4K | $212 | $4K | 5.90% |
| BRIAN V ANDREWS Filed as: BRIAN VINCENT ANDREWS | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $1K | $28 | $1K | 1.51% |
| MARGARET E MAYO | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $1K | — | $1K | 1.46% |
| DAVID N DAVIS | 15760 COUNTY ROAD 32 ANDALUSIA, AL 36420 | AFLAC | $1K | — | $1K | 1.42% |
| SAIC INC | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $976 | — | $976 | 1.39% |
| PAUL S WATKINS | PO BOX 269 TROY, AL 36081 | AFLAC | $941 | — | $941 | 1.34% |
| LESLIE HALL MCCORMICK | 31633 BOSTON RD DOZIER, AL 36028 | AFLAC | $468 | $28 | $496 | 0.70% |
| BUCK MAYO JR | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $487 | — | $487 | 0.69% |
| KELVIN MICHAEL RICE | 623 WESTBROOK RD DOTHAN, AL 36303 | AFLAC | $372 | — | $372 | 0.53% |
| RICKEY L BOOTHE | PO BOX 584 OPP, AL 36467 | AFLAC | $234 | — | $234 | 0.33% |
| JULIETTE WEST ADAMS | 202 CROWHILL RD TROY, AL 36081 | AFLAC | $85 | — | $85 | 0.12% |
| HENRY A CURTIS | 203 EMERALD DR TROY, AL 36079 | AFLAC | $79 | — | $79 | 0.11% |
| EDDIE J TORRES | 33 EDENWOOD DR FREEPORT, FL 32439 | AFLAC | $72 | — | $72 | 0.10% |
| BRITTANY N BLACK | 4095 DASHER RD LAKE PARK, GA 31636 | AFLAC | $68 | — | $68 | 0.10% |
| BARBARA R KOGUT | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $59 | — | $59 | 0.08% |
| JOHN TODD LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $39 | — | $39 | 0.06% |
| SELINA STURGIS | 4095 DASHER RD LAKE PARK, GA 31636 | AFLAC | $36 | — | $36 | 0.05% |
| BEVERLY L ENGLAND | PO BOX 253 SARALAND, AL 36571 | AFLAC | $35 | — | $35 | 0.05% |
| STAN A SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $30 | — | $30 | 0.04% |
| RHONDA M WHIDDON Filed as: RHONDA W WHIDDON | 120 TELFORD PL DOTHAN, AL 36305 | AFLAC | $27 | — | $27 | 0.04% |
| JAMES D RICHBURG SR | 1341 MITCHELL RD BRANTLEY, AL 36009 | AFLAC | $23 | — | $23 | 0.03% |
| HILDA L HARDY | 1202 AMHERST DR DOTHAN, AL 36305 | AFLAC | $20 | — | $20 | 0.03% |
| LARA CARLSON Filed as: LARA K CARLSON | 106 LAUREL VIEW DR ST SIMONS ISLAND, GA 31522 | AFLAC | $19 | — | $19 | 0.03% |
| MICHAEL S MASKILL | 188 RIDGEWOOD DR DAPHNE, AL 36526 | AFLAC | $19 | — | $19 | 0.03% |
| JAMES D RICHBURG II | 620 MARTIN LAKES DR E JACKSONVILLE, FL 32220 | AFLAC | $17 | — | $17 | 0.02% |
| BRIAN E HICKS | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $15 | — | $15 | 0.02% |
| RONALD EUGENE WALLACE | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $10 | — | $10 | 0.01% |
| THOMAS E NORMAN | 917 ELDORADO DR DOTHAN, AL 36303 | AFLAC | $8 | — | $8 | 0.01% |
| THOMAS R BAILEY | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $8 | — | $8 | 0.01% |
| LYNNE HUDGINS MOORE | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $6 | — | $6 | 0.01% |
| JOHN W AMOS | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIAM L AMOS III | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN PAUL THOMPSON II Filed as: JOHN PAUL THOMPSON JR | 1543 TEDDINGTON ST DELAND, FL 32720 | AFLAC | $3 | — | $3 | 0.00% |
| JADE LEE DAVIS | 236 COUNTY ROAD 3329 BRUNDIDGE, AL 36010 | AFLAC | $3 | — | $3 | 0.00% |
| DWAYNE B ALLEN | 189 DIAMOND POINTE DR MAUMELLE, AR 72113 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL J THRASHER | 19723 DESNA DR PORTER, TX 77365 | AFLAC | $2 | — | $2 | 0.00% |
| DENNIS W CAMDEN | 101 N JEFFERSON ST RM 305 MEXICO, MO 65265 | AFLAC | $1 | — | $1 | 0.00% |
| SUE C TUCKER | 9856 US HIGHWAY 29 N CUSSETA, AL 36852 | AFLAC | $1 | — | $1 | 0.00% |
| JOEL SANDERS Filed as: JOEL A SANDERS | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER SMITH Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY BOLICK Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.93% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.08% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 15.77% |
| MARSH & MCLENNAN AGENCY LLC | 206 EXCHANGE PL NW HUNTSVILLE, AL 35806 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | AMERITAS LIFE INSURANCE CORP. | — | $441 | $441 | 1.99% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $848 | $3K | 14.40% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 271 | $84K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 272 | $22K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 90 | $90K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $56K |
| Other(4 contracts, 3 carriers) | AFLAC | 160 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.