| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARGARET E MAYO3 Filed as: MARGARET MAYO | 209 DAPHNE DRIVE ENTERPRISE, AL 36330 | AFLAC | $3K | $0 | $3K | 2.26% |
| PAUL S WATKINS3 | PO BOX 269 TROY, AL 36081 | AFLAC | $2K | $0 | $2K | 1.98% |
| DAVID N DAVIS3 | 6901 D AND B LN WING, AL 36483 | AFLAC | $2K | $0 | $2K | 1.86% |
| JEFFREY REED3 | 29167 FLEETA RD OPP, AL 36467 | AFLAC | $2K | $83 | $2K | 1.86% |
| BUCK MAYO JR3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $1K | $0 | $1K | 1.02% |
| BRIAN ANDREWS3 | 5728 TAMARACK DR PACE, FL 32571 | AFLAC | $989 | $17 | $1K | 0.91% |
| RICKEY L BOOTHE3 | PO BOX 584 OPP, AL 36467 | AFLAC | $557 | $0 | $557 | 0.50% |
| KELVIN MICHAEL RICE3 | 102 CRICHTON CT DOTHAN, AL 36305 | AFLAC | $492 | $17 | $509 | 0.46% |
| BARBARA R KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $325 | $0 | $325 | 0.29% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $220 | $0 | $220 | 0.20% |
| HENRY A CURTIS3 | 203 EMERALD DR TROY, AL 36079 | AFLAC | $200 | $0 | $200 | 0.18% |
| EDDIE J TORRES3 | 84 VIRGO ST SANTA ROSA BEACH, FL 32459 | AFLAC | $131 | $0 | $131 | 0.12% |
| TROY INSURANCE CONSULTANTS3 | PO BOX 269 TROY, AL 36081 | AFLAC | $84 | $0 | $84 | 0.08% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $68 | $0 | $68 | 0.06% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $57 | $0 | $57 | 0.05% |
| RHONDA M WHIDDON3 | 120 TELFORD PL DOTHAN, AL 36305 | AFLAC | $44 | $0 | $44 | 0.04% |
| BRIAN E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $38 | $0 | $38 | 0.03% |
| JAMES D RICHBURG SR3 | 1341 MITCHELL RD BRANTLEY, AL 36009 | AFLAC | $35 | $0 | $35 | 0.03% |
| THOMAS E NORMAN3 | 917 ELDORADO DR DOTHAN, AL 36303 | AFLAC | $28 | $0 | $28 | 0.03% |
| JAMES D RICHBURG II3 | 620 MARTIN LAKES DR E JACKSONVILLE, FL 32220 | AFLAC | $26 | $0 | $26 | 0.02% |
| HILDA L HARDY3 | 1202 AMHERST DR DOTHAN, AL 36305 | AFLAC | $20 | $0 | $20 | 0.02% |
| WILLIAM B GRIFFIN JR3 | PO BOX 1741 DOTHAN, AL 36302 | AFLAC | $19 | $0 | $19 | 0.02% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWD RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $17 | $0 | $17 | 0.02% |
| FRANCIS O MATHEWS3 | PO BOX 8 MALONE, FL 32445 | AFLAC | $10 | $0 | $10 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $8 | $0 | $8 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $8 | $0 | $8 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 343 SABAL 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 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 16.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 16.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $807 | $2K | 16.71% |
| ONESOURCE BROKERAGE3 | 3155 MIDTOWN PARK S MOBILE, AL 36606 | METROPOLITAN LIFE INSURANCE COMPANY | $139 | $195 | $334 | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.52% |
| PAUL S WATKINS3 | PO BOX 967 TROY, AL 36081 | METROPOLITAN LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.39% |
| TB&T INVESTMENTS INC3 | PO BOX 967 TROY, AL 36081 | METROPOLITAN LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL, INC | PO BOX 6087 HUNTSVILLE, AL 35813 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.05% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $28K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 146 | $123K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $25K |
| Other(4 contracts, 3 carriers) | AFLAC | 146 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.