| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY REED3 | 29167 FLEETA RD OPP, AL 36467 | AFLAC | $4K | $199 | $4K | 4.09% |
| MARGARET E MAYO3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $3K | $37 | $3K | 2.63% |
| DAVID N DAVIS3 | 6901 D AND B LANE WING, AL 36483 | AFLAC | $2K | $0 | $2K | 2.19% |
| PAUL S WATKINS3 | PO BOX 269 TROY, AL 36081 | AFLAC | $2K | $0 | $2K | 2.10% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $1K | $50 | $1K | 1.26% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $1K | $0 | $1K | 1.15% |
| BUCK MAYO JR3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $1K | $13 | $1K | 1.03% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $1K | $0 | $1K | 0.94% |
| KELVIN MICHAEL RICE3 | 102 CRICHTON CT DOTHAN, AL 36305 | AFLAC | $701 | $4 | $705 | 0.66% |
| RICKEY L BOOTHE3 | PO BOX 584 OPP, AL 36467 | AFLAC | $525 | $0 | $525 | 0.49% |
| BARBARA R KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $255 | $0 | $255 | 0.24% |
| HENRY A CURTIS3 | 203 EMERALD DR TROY, AL 36079 | AFLAC | $183 | $0 | $183 | 0.17% |
| EDDIE J TORRES3 | PO BOX 6309 MIRAMAR BEACH, FL 32550 | AFLAC | $160 | $0 | $160 | 0.15% |
| KELVIN MICHAEL RICE3 | 688 EARLINE RD DOTHAN, AL 36305 | AFLAC | $73 | $46 | $119 | 0.11% |
| TROY INSURANCE CONSULTANTS3 | PO BOX 269 TROY, AL 36081 | AFLAC | $77 | $0 | $77 | 0.07% |
| RHONDA M WHIDDON3 | 120 TELFORD PLACE DOTHAN, AL 36305 | AFLAC | $41 | $0 | $41 | 0.04% |
| THOMAS E NORMAN3 | 917 ELDORADO DRIVE DOTHAN, AL 36303 | AFLAC | $37 | $0 | $37 | 0.03% |
| JAMES D RICHBURG SR3 | 1341 MITCHELL RD BRANTLEY, AL 36009 | AFLAC | $30 | $0 | $30 | 0.03% |
| JAMES D RICHBURG II3 | 620 MARTIN LAKES DR E JACKSONVILLE, FL 32220 | AFLAC | $22 | $0 | $22 | 0.02% |
| HILDA L HARDY3 | 1202 AMHERST DR DOTHAN, AL 36305 | AFLAC | $19 | $0 | $19 | 0.02% |
| FRANCIS O MATHEWS3 | PO BOX 8 MALONE, FL 32445 | AFLAC | $18 | $0 | $18 | 0.02% |
| WILLIAM B GRIFFIN JR3 | PO BOX 1741 DOTHAN, AL 36302 | AFLAC | $17 | $0 | $17 | 0.02% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $12 | $0 | $12 | 0.01% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $10 | $0 | $10 | 0.01% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 11639 FRANKLIN, TN 37064 | AFLAC | $7 | $0 | $7 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $7 | $0 | $7 | 0.01% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $4 | $0 | $4 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROAD RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $3 | $0 | $3 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOEL SANDERS3 Filed as: JOEL A SANDERS | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | $0 | $1 | 0.00% |
| FLOYD D KIMBROUGH3 | 875 BRIARWOOD DR JACKSON, MS 39211 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $1 | $0 | $1 | 0.00% |
| TB&T INVESTMENTS INC3 | PO BOX 967 TROY, AL 36081 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 6087 HUNTSVILLE, AL 35824 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 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 | $0 | $1K | 5.00% |
| 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 MOBILE, AL 36606 | METROPOLITAN LIFE INSURANCE COMPANY | $164 | $211 | $375 | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | PO BOX 6087 HUNTSVILLE, AL 35813 | METROPOLITAN LIFE INSURANCE COMPANY | $82 | $0 | $82 | 0.71% |
| PAUL S WATKINS3 | PO BOX 967 TROY, AL 36081 | METROPOLITAN LIFE INSURANCE COMPANY | $51 | $0 | $51 | 0.44% |
| TB&T INVESTMENTS INC3 | PO BOX 967 TROY, AL 36081 | METROPOLITAN LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.21% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AFLAC | 155 | $107K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $31K |
| Short-term disability | AFLAC | 155 | $107K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $24K |
| Other(2 contracts, 2 carriers) | AFLAC | 155 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.