| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $7K | $430 | $8K | 6.18% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $3K | — | $3K | 2.71% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $2K | — | $2K | 1.87% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 343 FAIRWAYS DR MACON, GA 31220 | AFLAC | $2K | $95 | $2K | 1.47% |
| JOSEPH MCBRIDE3 | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $2K | — | $2K | 1.37% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $1K | $95 | $1K | 0.95% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $995 | — | $995 | 0.79% |
| CARA G FRETWELL3 Filed as: CARA FRETWELL | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $794 | $48 | $842 | 0.67% |
| STEVEN P MOORE3 Filed as: STEVEN MOORE | 4749 GRIFFITT BEND RD TALLADEGA, AL 35160 | AFLAC | $634 | — | $634 | 0.50% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $577 | — | $577 | 0.46% |
| SUZANNE M WASSNER3 Filed as: SUZANNE WASSNER | PO BOX 5 SHEFFIELD, AL 35660 | AFLAC | $522 | — | $522 | 0.41% |
| FELICIA WEAR3 | 89 CEDARBEND DR FLORENCE, AL 35634 | AFLAC | $515 | — | $515 | 0.41% |
| ORISE M FONTAINE3 Filed as: ORISE FONTAINE | 827 W ALABAMA ST FLORENCE, AL 35630 | AFLAC | $410 | — | $410 | 0.33% |
| FLOYD GREGORY NAPPS3 Filed as: FLOYD NAPPS | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $278 | — | $278 | 0.22% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $117 | — | $117 | 0.09% |
| MARY B. GRIGSBY3 Filed as: MARY GRIGSBY | 1503 HERMITAGE DR FLORENCE, AL 35630 | AFLAC | $78 | — | $78 | 0.06% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $77 | — | $77 | 0.06% |
| SARAH CHAMPION3 | 1501 JUNIPER RIDGE LN NORTHPORT, AL 35473 | AFLAC | $70 | — | $70 | 0.06% |
| J & J INSURANCE3 Filed as: J & J INSURANCE INC | 302 WESTBURY LANE FLORENCE, AL 35630 | AFLAC | $54 | — | $54 | 0.04% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DR APT 1B TUSCALOOSA, AL 35401 | AFLAC | $43 | — | $43 | 0.03% |
| WAYNE D HESTER3 Filed as: WAYNE HESTER | 10330 HIGHWAY 43 RUSSELLVILLE, AL 35653 | AFLAC | $37 | — | $37 | 0.03% |
| KEITH A PHILLIPS3 Filed as: KEITH PHILLIPS | 312 E ROOSEVELT AVE MUSCLE SHOALS, AL 35661 | AFLAC | $35 | — | $35 | 0.03% |
| LYNN HUDGINS MOORE3 Filed as: LYNN MOORE | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | 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% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $25 | — | $25 | 0.02% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $21 | — | $21 | 0.02% |
| GRAZIA H MILSTEAD3 | PO BOX 730 SHEFFIELD, AL 35660 | AFLAC | $20 | — | $20 | 0.02% |
| NORMAN WILKINS3 | 405 COALMONT RD HELENA, AL 35080 | AFLAC | $20 | — | $20 | 0.02% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT STREET STE 116 39 FRANKLIN, TN 37064 | AFLAC | $19 | — | $19 | 0.02% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $14 | — | $14 | 0.01% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $11 | — | $11 | 0.01% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $10 | — | $10 | 0.01% |
| PHILIP M CHURCHILL3 Filed as: PHILIP CHURCHILL | 2000 AVONLEA PL APT 202 WOODSTOCK, GA 30189 | AFLAC | $9 | — | $9 | 0.01% |
| DUSTIN LARD3 | 616 WAVERLY LANE STATESBORO, GA 30458 | AFLAC | $8 | — | $8 | 0.01% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $6 | — | $6 | 0.00% |
| FRANK LEE JR3 | 3009 FIREFIGHTER LANE BIRMINGHAM, AL 35209 | AFLAC | $5 | — | $5 | 0.00% |
| JOE SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.00% |
| JASON L WEEKS3 Filed as: JASON WEEKS | 620 STONEGLEN DRIVE SUITE L KELLER, TX 76248 | AFLAC | $3 | — | $3 | 0.00% |
| BEN RENFROE3 | 111 STORMY DR MUSCLE SHOALS, AL 35661 | AFLAC | $1 | — | $1 | 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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 196 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.