| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY REED3 | 29167 FLEETA RD OPP, AL 36467 | AFLAC | $4K | $198 | $4K | 3.77% |
| MARGARET E MAYO3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $3K | $22 | $3K | 2.29% |
| PAUL S WATKINS3 | PO BOX 269 TROY, AL 36081 | AFLAC | $2K | $0 | $2K | 1.97% |
| DAVID N DAVIS3 | 6901 D AND B LN WING, AL 36483 | AFLAC | $2K | $0 | $2K | 1.40% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $1K | $44 | $1K | 1.15% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $1K | $0 | $1K | 1.08% |
| BUCK MAYO JR3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $1K | $0 | $1K | 0.99% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $1K | $0 | $1K | 0.90% |
| KELVIN MICHAEL RICE3 | 102 CRICHTON CT DOTHAN, AL 36305 | AFLAC | $743 | $44 | $787 | 0.69% |
| DAVID N DAVIS3 | 6901 D AND B LANE WING, AL 36483 | AFLAC | $561 | $0 | $561 | 0.49% |
| RICKEY L BOOTHE3 | PO BOX 584 OPP, AL 36467 | AFLAC | $555 | $0 | $555 | 0.49% |
| BARBARA R KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $249 | $0 | $249 | 0.22% |
| HENRY A CURTIS3 | 203 EMERALD DR TROY, AL 36079 | AFLAC | $200 | $0 | $200 | 0.18% |
| EDDIE J TORRES3 | PO BOX 6309 MIRAMAR BEACH, FL 32550 | AFLAC | $150 | $0 | $150 | 0.13% |
| TROY INSURANCE CONSULTANTS3 | PO BOX 269 TROY, AL 36081 | AFLAC | $84 | $0 | $84 | 0.07% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $70 | $0 | $70 | 0.06% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $58 | $0 | $58 | 0.05% |
| RHONDA M WHIDDON3 | 120 TELFORD PLACE DOTHAN, AL 36305 | AFLAC | $44 | $0 | $44 | 0.04% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $39 | $0 | $39 | 0.03% |
| JAMES D RICHBURG SR3 | 1341 MITCHELL RD BRANTLEY, AL 36009 | AFLAC | $33 | $0 | $33 | 0.03% |
| THOMAS E NORMAN3 | 917 ELDORADO DRIVE DOTHAN, AL 36303 | AFLAC | $28 | $0 | $28 | 0.02% |
| JAMES D RICHBURG II3 | 620 MARTIN LAKES DR E JACKSONVILLE, FL 32220 | AFLAC | $24 | $0 | $24 | 0.02% |
| HILDA L HARDY3 Filed as: HILDA HARDY | 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% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $17 | $0 | $17 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $8 | $0 | $8 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $8 | $0 | $8 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 343 SABA SPRINGS CT DEBARY, FL 32713 | AFLAC | $5 | $0 | $5 | 0.00% |
| JOEL SANDERS3 Filed as: JOEL A SANDERS | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $3 | $0 | $3 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $430 | $0 | $430 | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $380 | $0 | $380 | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $191 | $0 | $191 | 1.60% |
| ONESOURCE BROKERAGE3 | 3155 MIDTOWN PARK S ATTN MARTHA LAMON MOBILE, AL 366064106 | METROPOLITAN LIFE INSURANCE COMPANY | $141 | $0 | $141 | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | PO BOX 6087 HUNTSVILLE, AL 358130087 | METROPOLITAN LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.56% |
| PAUL S WATKINS3 | PO BOX 967 TROY, AL 360810967 | METROPOLITAN LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.37% |
| TB&T INVESTMENTS INC3 | PO BOX 967 TROY, AL 360810967 | METROPOLITAN LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.17% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AFLAC | 147 | $114K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $27K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 147 | $126K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $24K |
| Other(3 contracts, 3 carriers) | AFLAC | 147 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.