| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY REED3 | 29167 FLEETA RD OPP, AL 36467 | AFLAC | $4K | $324 | $4K | 3.58% |
| MARGARET E MAYO3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $3K | $23 | $3K | 2.96% |
| DAVID N DAVIS3 | 6901 D AND B LANE WING, AL 36483 | AFLAC | $3K | $85 | $3K | 2.52% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $3K | $85 | $3K | 2.41% |
| PAUL S WATKINS3 | PO BOX 269 TROY, AL 36081 | AFLAC | $3K | $0 | $3K | 2.31% |
| BUCK MAYO JR3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $1K | $98 | $1K | 1.27% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $1K | $89 | $1K | 1.23% |
| RICKEY L BOOTHE3 | PO BOX 584 OPP, AL 36467 | AFLAC | $573 | $0 | $573 | 0.50% |
| KELVIN MICHAEL RICE3 Filed as: KELVIN MICHAEL PRICE | 688 EARLINE RD DOTHAN, AL 36305 | AFLAC | $551 | $4 | $555 | 0.48% |
| BARBARA R KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $327 | $0 | $327 | 0.28% |
| HENRY A CURTIS3 | 203 EMERALD DR TROY, AL 36079 | AFLAC | $200 | $0 | $200 | 0.17% |
| EDDIE J TORRES3 Filed as: EDDIE J. TORRES | PO BOX 6309 MIRAMAR BEACH, FL 32550 | AFLAC | $189 | $0 | $189 | 0.16% |
| TROY INSURANCE CONSULTANTS3 | PO BOX 269 TROY, AL 36081 | AFLAC | $84 | $0 | $84 | 0.07% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $48 | $0 | $48 | 0.04% |
| RHONDA M WHIDDON3 | 120 TELFORD PLACE DOTHAN, AL 36305 | AFLAC | $44 | $0 | $44 | 0.04% |
| THOMAS E NORMAN3 | 917 ELDORADO DRIVE DOTHAN, AL 36303 | AFLAC | $42 | $0 | $42 | 0.04% |
| JAMES D RICHBURG SR3 | 1341 MITCHELL RD BRANTLEY, AL 36009 | AFLAC | $33 | $0 | $33 | 0.03% |
| JAMES D RICHBURG II3 | 620 MARTIN LAKES DR E JACKSONVILLE, FL 32220 | AFLAC | $24 | $0 | $24 | 0.02% |
| HILDA L HARDY3 | 1202 AMHERST DR DOTHAN, AL 36305 | AFLAC | $20 | $0 | $20 | 0.02% |
| FRANCIS O MATHEWS3 | PO BOX 8 MALONE, FL 32445 | AFLAC | $19 | $0 | $19 | 0.02% |
| WILLIAM B GRIFFIN JR3 | PO BOX 1741 DOTHAN, AL 36302 | AFLAC | $19 | $0 | $19 | 0.02% |
| FLOYD D KIMBROUGH3 | 875 BRIARWOOD DR JACKSON, MS 39211 | AFLAC | $10 | $0 | $10 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $8 | $0 | $8 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 6087 HUNTSVILLE, AL 35824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $133 | $2K | 5.47% |
| TB&T INVESTMENTS INC3 | PO BOX 967 TROY, AL 36081 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 6087 HUNTSVILLE, AL 35824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $109 | $1K | 5.45% |
| TB&T INVESTMENTS INC3 | PO BOX 967 TROY, AL 36081 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| ONESOURCE BROKERAGE3 | 3155 MIDTOWN PARK S ATTN MARTHA LAMON MOBILE, AL 36606 | METROPOLITAN LIFE INSURANCE COMPANY | $248 | $0 | $248 | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC. | PO BOX 6087 HUNTSVILLE, AL 35824 | METROPOLITAN LIFE INSURANCE COMPANY | $115 | $0 | $115 | 0.89% |
| PAUL S WATKINS3 | PO BOX 967 TROY, AL 36081 | METROPOLITAN LIFE INSURANCE COMPANY | $82 | $0 | $82 | 0.63% |
| TB&T INVESTMENTS INC3 Filed as: TB&T INVESTMENTS INC. | PO BOX 967 TROY, AL 36081 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | PO BOX 6087 HUNTSVILLE, AL 35824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $638 | $61 | $699 | 5.48% |
| TB&T INVESTMENTS INC3 | PO BOX 967 TROY, AL 36081 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $638 | $0 | $638 | 5.00% |
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 | 119 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AFLAC | 160 | $115K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $29K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 160 | $128K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $24K |
| Other(2 contracts, 2 carriers) | AFLAC | 160 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.