| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $6K | $591 | $7K | 4.27% |
| CARA G FRETWELL3 Filed as: CARA FRETWELL | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $6K | $101 | $6K | 3.83% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $3K | — | $3K | 2.03% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $2K | $185 | $2K | 1.39% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, AL 31904 | AFLAC | $2K | — | $2K | 1.34% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $2K | $153 | $2K | 1.12% |
| JOSEPH MCBRIDE3 | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $2K | — | $2K | 0.99% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $904 | — | $904 | 0.59% |
| FELICIA WEAR3 | 89 CEDARBEND DR FLORENCE, AL 35634 | AFLAC | $661 | $237 | $898 | 0.59% |
| STEVEN P MOORE3 Filed as: STEVEN MOORE | 4749 GRIFFITT BEND RD TALLADEGA, AL 35160 | AFLAC | $570 | — | $570 | 0.37% |
| SUZANNE M WASSNER3 Filed as: SUZANNE WASSNER | PO BOX 5 SHEFFIELD, AL 35660 | AFLAC | $494 | — | $494 | 0.32% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $410 | — | $410 | 0.27% |
| ORISE M FONTAINE3 Filed as: ORISE FONTAINE | 827 W ALABAMA ST FLORENCE, AL 35630 | AFLAC | $378 | — | $378 | 0.25% |
| FLOYD GREGORY NAPPS3 Filed as: FLOYD NAPPS | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $236 | — | $236 | 0.15% |
| SUZETTE GOULD3 | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $207 | $23 | $230 | 0.15% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $96 | — | $96 | 0.06% |
| SARAH CHAMPION3 | 1501 JUNIPER RIDGE LN NORTHPORT, AL 35473 | AFLAC | $66 | — | $66 | 0.04% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $59 | — | $59 | 0.04% |
| KEITH A PHILLIPS3 Filed as: KEITH PHILLIPS | 1224 SORENTO 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 | 0.02% |
| MARY B. GRIGSBY3 Filed as: MARY GRIGSBY | 1503 HERMITAGE DR FLORENCE, AL 35630 | AFLAC | $32 | — | $32 | 0.02% |
| CRAIG M GADDY3 Filed as: CRAIG GADDY | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $31 | — | $31 | 0.02% |
| 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, SC 37310 | AFLAC | $25 | — | $25 | 0.02% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN RD STE 150 MONTGMOERY, AL 36117 | AFLAC | $22 | — | $22 | 0.01% |
| ESTATE OF JACK DAVID LARD3 | 278 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $22 | — | $22 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $20 | — | $20 | 0.01% |
| GRAZIA H MILSTEAD3 | PO BOX 730 SHEFFIELD, AL 35660 | AFLAC | $20 | — | $20 | 0.01% |
| ERIN L KIRKLAND3 Filed as: ERIN KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $19 | — | $19 | 0.01% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $15 | — | $15 | 0.01% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON JR | 236 HAVERSHAM RD DELTONA, FL 32725 | AFLAC | $13 | — | $13 | 0.01% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $10 | — | $10 | 0.01% |
| GIBBS MORGAN3 | PO BOX 2552 INDIAN TRAIL, NE 28079 | AFLAC | $10 | — | $10 | 0.01% |
| RICHARD J ATKINSON3 Filed as: RICHARD ATKINSON | PO BOX 738 BRANDON, MS 39043 | AFLAC | $9 | — | $9 | 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% |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN | 109 MILLCREEK CORS STE D BRANDON, MS 39047 | AFLAC | $3 | — | $3 | 0.00% |
| AON CONSULTING INC3 Filed as: CLAUDE HEWITT | 308 LAKE VILLAGE DR MADISON, MS 39110 | 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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 211 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.