| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $8K | $770 | $8K | 6.78% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $4K | — | $4K | 3.02% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $3K | $144 | $3K | 2.29% |
| JOSEPH MCBRIDE3 | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $2K | $159 | $2K | 1.70% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 327 S WALNUT ST FLORENCE, AL 35630 | AFLAC | $1K | — | $1K | 0.95% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $1K | — | $1K | 0.88% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 36117 | AFLAC | $771 | $161 | $932 | 0.75% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 327 S WALNUT ST FLORENCE, AL 35630 | AFLAC | $786 | $2 | $788 | 0.64% |
| STEVEN P MOORE3 Filed as: STEVEN MOORE | 8336 BRITTANY PL MONTGOMERY, AL 36117 | AFLAC | $687 | — | $687 | 0.56% |
| SUZANNE M WASSNER3 Filed as: SUZANNE WASSNER | PO BOX 5 SHEFFIELD, AL 35660 | AFLAC | $639 | — | $639 | 0.52% |
| CARA G FRETWELL3 Filed as: CARA FRETWELL | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $437 | $35 | $472 | 0.38% |
| ORISE M FONTAINE3 Filed as: ORISE FONTAINE | 827 W ALABAMA ST FLORENCE, AL 35630 | AFLAC | $450 | — | $450 | 0.36% |
| FLOYD GREGORY NAPPS3 Filed as: FLOYD NAPPS | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $278 | — | $278 | 0.22% |
| SARAH CHAMPION3 | 505 ENERGY CENTER BLVD SUITE 601 NORTHPORT, AL 35473 | AFLAC | $81 | — | $81 | 0.07% |
| MARY B. GRIGSBY3 Filed as: MARY GRIGSBY | 1503 HERMITAGE DR FLORENCE, AL 35630 | AFLAC | $78 | — | $78 | 0.06% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DR APT 1B TUSCALOOSA, AL 35401 | AFLAC | $66 | — | $66 | 0.05% |
| J & J INSURANCE3 Filed as: J & J INSURANCE INC | 302 WESTBURY LANE FLORENCE, AL 35630 | AFLAC | $54 | — | $54 | 0.04% |
| WAYNE D HESTER3 Filed as: WAYNE HESTER | 10330 HIGHWAY 43 RUSSELLVILLE, AL 35653 | AFLAC | $37 | — | $37 | 0.03% |
| JASON L WEEKS3 Filed as: JASON WEEKS | 204 S MAIN ST STE 120 KELLER, TX 76248 | AFLAC | $31 | — | $31 | 0.03% |
| NORMAN WILKINS3 | 405 COALMONT ROAD HELENA, AL 36080 | AFLAC | $30 | — | $30 | 0.02% |
| BETTY JEAN GAMACHE3 Filed as: BETTY LITTLE | 481 TOWNE LAKE PLACE MONTGOMERY, AL 36117 | AFLAC | $27 | — | $27 | 0.02% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $25 | — | $25 | 0.02% |
| THOMAS P O'REAR3 Filed as: THOMAS O'REAR | 10105 LONDONSHIRE LN TAMPA, FL 33647 | AFLAC | $25 | — | $25 | 0.02% |
| GRAZIA H MILSTEAD3 | PO BOX 730 SHEFFIELD, AL 35660 | AFLAC | $20 | — | $20 | 0.02% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $18 | — | $18 | 0.01% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $16 | — | $16 | 0.01% |
| FELICIA WEAR3 | 89 CEDARBEND DR FLORENCE, AL 35634 | AFLAC | $16 | — | $16 | 0.01% |
| BETTY JEAN GAMACHE3 Filed as: BETTY GAMACHE | 136 CHARLESTON CT N MONTGOMERY, AL 36117 | AFLAC | $14 | — | $14 | 0.01% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $10 | — | $10 | 0.01% |
| PHILIP M CHURCHILL3 Filed as: PHILIP CHURCHILL | 5114 MILLWOOD DRIVE CANTON, GA 30114 | AFLAC | $9 | — | $9 | 0.01% |
| DUSTIN LARD3 | 616 WAVERLY LANE STATESBORO, AL 30458 | AFLAC | $8 | — | $8 | 0.01% |
| FRANK LEE JR3 | 3009 FIREFIGHTER LANE BIRMINGHAM, AL 35209 | AFLAC | $7 | — | $7 | 0.01% |
| KEITH BELICH3 | 8650 MINNIE BROWN RD ST 150 MONTGOMERY, AL 36117 | AFLAC | $7 | — | $7 | 0.01% |
| BEN RENFROE3 | 111 STORMY DRIVE MUSCLE SHOALS, AL 35661 | AFLAC | $4 | — | $4 | 0.00% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 166 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.