| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $9K | $202 | $9K | 5.17% |
| CARA G FRETWELL3 | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $7K | $573 | $7K | 4.12% |
| MARILYN HUNTER3 Filed as: MARILYN D HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $3K | — | $3K | 1.73% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $3K | $157 | $3K | 1.64% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $2K | — | $2K | 1.13% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $2K | — | $2K | 0.86% |
| JOSEPH E PUPEK JR3 | 325 LOBLOLLY DR BONARE, GA 31005 | AFLAC | $1K | — | $1K | 0.77% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $871 | — | $871 | 0.49% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $571 | — | $571 | 0.32% |
| SUZANNE M WASSNER3 | PO BOX 5 SHEFFIELD, AL 35662 | AFLAC | $494 | — | $494 | 0.28% |
| FELICIA A WEAR3 | 89 CEDARBEND DR FLORENCE, AL 35634 | AFLAC | $462 | — | $462 | 0.26% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $388 | — | $388 | 0.22% |
| ORISE M FONTAINE3 | 827 W ALABAMA ST FLORENCE, AL 35630 | AFLAC | $318 | — | $318 | 0.18% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $210 | — | $210 | 0.12% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $143 | — | $143 | 0.08% |
| SUZETTE GOULD3 | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $109 | — | $109 | 0.06% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $97 | — | $97 | 0.05% |
| SHARON J BLACKBURN3 | 2544 SKY PARK RD FLORENCE, AL 35634 | AFLAC | $72 | — | $72 | 0.04% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $59 | — | $59 | 0.03% |
| JOE C CHAMPION3 | 3600 WATERMELON RD SUITE 206 NORTHPORT, AL 35476 | AFLAC | $52 | — | $52 | 0.03% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $40 | $10 | $50 | 0.03% |
| KEITH A PHILLIPS3 | 1224 SORRENTO RD FLORENCE, AL 35630 | AFLAC | $42 | — | $42 | 0.02% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $38 | — | $38 | 0.02% |
| WAYNE D HESTER3 | 10330 HIGHWAY 43 RUSSELLVILLE, AL 35653 | AFLAC | $34 | — | $34 | 0.02% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $26 | — | $26 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $21 | — | $21 | 0.01% |
| THOMAS P O'REAR3 | 14913 EVERSHINE ST TAMPA, FL 33624 | AFLAC | $21 | — | $21 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $19 | — | $19 | 0.01% |
| BRIAN E HICKS3 | 1327 JEWELL AVE FRANKLIN, TN 37064 | AFLAC | $15 | — | $15 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 236 HAVERSHAM RD DELTONA, FL 32725 | AFLAC | $13 | — | $13 | 0.01% |
| GRAZIA H MILSTEAD3 Filed as: GRAZIA MILSTEAD | PO BOX 730 SHEFFIELD, AL 35660 | AFLAC | $12 | — | $12 | 0.01% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $10 | — | $10 | 0.01% |
| GIBBS MORGAN3 | PO BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $9 | — | $9 | 0.01% |
| DUSTIN DANIEL LARD3 | 1511 MANSFIELD RD STATESBORO, GA 30458 | AFLAC | $8 | — | $8 | 0.00% |
| PHILIP M CHURCHILL3 | 2000 AVONLEA PL APT 202 WOODSTOCK, GA 30189 | AFLAC | $8 | — | $8 | 0.00% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES INC | 211 ATHENS WAY STE 100 NASHVILLE, TN 37228 | AFLAC | $6 | — | $6 | 0.00% |
| SUE B KLINE3 | 413 OLD TOWNE DR BRENTWOOD, TN 37027 | AFLAC | $6 | — | $6 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.00% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $3 | — | $3 | 0.00% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | 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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 210 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.