| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $9K | $536 | $9K | 6.54% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $3K | — | $3K | 2.27% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 35662 | AFLAC | $3K | $130 | $3K | 1.99% |
| FELICIA WEAR3 | 89 CEDARBEND DR FLORENCE, AL 35634 | AFLAC | $2K | $53 | $2K | 1.74% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $2K | — | $2K | 1.54% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $2K | $130 | $2K | 1.32% |
| JOSEPH MCBRIDE3 | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $2K | — | $2K | 1.13% |
| CARA G FRETWELL3 Filed as: CARA FRETWELL | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $1K | $61 | $1K | 0.78% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $963 | — | $963 | 0.68% |
| STEVEN P MOORE3 Filed as: STEVEN MOORE | 4749 GRIFFITT BEND RD TALLADEGA, AL 35160 | AFLAC | $583 | — | $583 | 0.41% |
| SUZANNE M WASSNER3 Filed as: SUZANNE WASSNER | PO BOX 5 SHEFFIELD, AL 35660 | AFLAC | $504 | — | $504 | 0.36% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $463 | — | $463 | 0.33% |
| ORISE M FONTAINE3 Filed as: ORISE FONTAINE | 827 W ALABAMA ST FLORENCE, AL 35630 | AFLAC | $410 | — | $410 | 0.29% |
| FLOYD GREGORY NAPPS3 Filed as: FLOYD NAPPS | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $278 | — | $278 | 0.20% |
| SUZETTE GOULD3 | 1245 SOUTHRIDGE CT STE 107 HURST, TX 76053 | AFLAC | $115 | — | $115 | 0.08% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $104 | — | $104 | 0.07% |
| MARY B. GRIGSBY3 Filed as: MARY GRIGSBY | 1503 HERMITAGE DR FLORENCE, AL 35630 | AFLAC | $78 | — | $78 | 0.06% |
| SARAH CHAMPION3 | 1501 JUNIPER RIDGE LN NORTHPORT, AL 35473 | AFLAC | $70 | — | $70 | 0.05% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $65 | — | $65 | 0.05% |
| ESTATE OF JACK DAVID LARD3 | 278 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $54 | — | $54 | 0.04% |
| KEITH A PHILLIPS3 Filed as: KEITH PHILLIPS | 1224 SORRENTO RD FLORENCE, AL 35630 | AFLAC | $42 | — | $42 | 0.03% |
| WAYNE D HESTER3 Filed as: WAYNE HESTER | 10330 HIGHWAY 43 RUSSELLVILLE, AL 35653 | AFLAC | $37 | — | $37 | 0.03% |
| THOMAS P O'REAR3 Filed as: THOMAS O'REAR | 14913 EVERSHINE ST TAMPA, FL 33624 | AFLAC | $25 | — | $25 | 0.02% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $25 | — | $25 | 0.02% |
| GIBBS MORGAN3 | 1004 RIVERSIDE DR APT 1B TUSCALOOSA, AL 35401 | AFLAC | $24 | — | $24 | 0.02% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN STE 150 MONTGOMERY, AL 36117 | AFLAC | $23 | — | $23 | 0.02% |
| GRAZIA H MILSTEAD3 | PO BOX 730 SHEFFIELD, AL 35660 | AFLAC | $20 | — | $20 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $20 | — | $20 | 0.01% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT ST STE 11639 FRANKLIN, AL 37064 | AFLAC | $17 | — | $17 | 0.01% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $13 | — | $13 | 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 LN STATESBORO, GA 30458 | AFLAC | $8 | — | $8 | 0.01% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 205 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.