| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $6K | $468 | $6K | 3.88% |
| CARA G FRETWELL3 | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $4K | $458 | $5K | 2.72% |
| MARILYN HUNTER3 Filed as: MARILYN D HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $3K | — | $3K | 1.64% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $2K | $187 | $2K | 1.41% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $2K | — | $2K | 1.06% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $1K | — | $1K | 0.86% |
| JOSEPH E PUPEK JR3 | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $1K | — | $1K | 0.73% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $728 | — | $728 | 0.44% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $598 | $25 | $623 | 0.37% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35633 | AFLAC | $512 | — | $512 | 0.31% |
| FELICIA A WEAR3 | 89 CEDARBEND DR FLORENCE, AL 35634 | AFLAC | $422 | — | $422 | 0.25% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $379 | — | $379 | 0.23% |
| SUZANNE M WASSNER3 | 219 BEARDSLEY CT MUSCLE SHOALS, AL 35661 | AFLAC | $302 | — | $302 | 0.18% |
| ORISE M FONTAINE3 | 827 W ALABAMA ST FLORENCE, AL 35630 | AFLAC | $263 | — | $263 | 0.16% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $160 | — | $160 | 0.10% |
| SUZETTE GOULD3 | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $101 | — | $101 | 0.06% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $86 | — | $86 | 0.05% |
| SHARON J BLACKBURN3 | 2544 SKY PARK RD FLORENCE, AL 35634 | AFLAC | $79 | — | $79 | 0.05% |
| STEVE C BRANNON3 | 2812 BURNINGTREE MOUNTAIN RD SE DECATUR, AL 35603 | AFLAC | $58 | — | $58 | 0.03% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $55 | — | $55 | 0.03% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $42 | — | $42 | 0.03% |
| JOE C CHAMPION3 | 3600 WATERMELON RD SUITE 206 NORTHPORT, AL 35476 | AFLAC | $42 | — | $42 | 0.03% |
| KEITH A PHILLIPS3 | 138 S WASHINGTON ST PRATTVILLE, AL 36067 | AFLAC | $32 | — | $32 | 0.02% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $23 | — | $23 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $21 | — | $21 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $19 | — | $19 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS OKWY SUITE B-2 MIDLAND, GA 31820 | AFLAC | $18 | — | $18 | 0.01% |
| BRIAN E HICKS3 | 1327 JEWELL AVE FRANKLIN, TN 37064 | AFLAC | $14 | — | $14 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 236 HAVERSHAM RD DELTONA, FL 32725 | 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% |
| SUE B KLINE3 | 413 OLD TOWNE DR BRENTWOOD, TN 37027 | AFLAC | $8 | — | $8 | 0.00% |
| DUSTIN DANIEL LARD3 | 4811 MILLER RD SW LILBURN, GA 30047 | AFLAC | $8 | — | $8 | 0.00% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES IN | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | AFLAC | $7 | — | $7 | 0.00% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $4 | — | $4 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $4 | — | $4 | 0.00% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD 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 | 216 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 216 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.