| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 136 COUNTY ROAD 7 FLORENCE, AL 35633 | AFLAC | $10K | $421 | $11K | 5.44% |
| CARA G FRETWELL3 | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $6K | $386 | $6K | 3.21% |
| LAKISHA RICKS3 | 900 TENNESSEE RIVER DRIVE MUSCLE SHOALS, AL 35661 | AFLAC | $3K | $191 | $3K | 1.55% |
| MARILYN HUNTER3 Filed as: MARILYN D HUNTER | 136 COUNTY ROAD 7 FLORENCE, AL 35633 | AFLAC | $2K | $54 | $3K | 1.30% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $2K | $191 | $2K | 1.22% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $1K | — | $1K | 0.73% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $1K | — | $1K | 0.60% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $1K | — | $1K | 0.58% |
| JOSEPH E PUPEK JR3 | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $903 | — | $903 | 0.47% |
| STEVE C BRANNON3 | 2812 BURNINGTREE MOUNTAIN RD SE DECATUR, AL 35603 | AFLAC | $661 | — | $661 | 0.34% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFTIS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $564 | — | $564 | 0.29% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $452 | — | $452 | 0.23% |
| FELICIA A WEAR3 | 89 CEDARBEND DR FLORENCE, AL 35634 | AFLAC | $316 | — | $316 | 0.16% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $310 | — | $310 | 0.16% |
| SUZANNE M WASSNER3 | 219 BEARDSLEY CT MUSCLE SHOALS, AL 35661 | AFLAC | $225 | — | $225 | 0.12% |
| ORISE M FONTAINE3 | 827 W ALABAMA ST FLORENCE, AL 35630 | AFLAC | $215 | — | $215 | 0.11% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $149 | — | $149 | 0.08% |
| SUZETTE GOULD3 | 6216 TRUMAN ALDRICH PKWY WEST BLOCTON, AL 35184 | AFLAC | $100 | — | $100 | 0.05% |
| SHARON J BLACKBURN3 | 2544 SKY PARK RD FLORENCE, AL 35634 | AFLAC | $79 | — | $79 | 0.04% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $71 | — | $71 | 0.04% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $47 | — | $47 | 0.02% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $42 | — | $42 | 0.02% |
| JOE C CHAMPION3 | 3600 WATERMELON RD SUITE 206 NORTHPORT, AL 35476 | AFLAC | $35 | — | $35 | 0.02% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $20 | — | $20 | 0.01% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $14 | — | $14 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $13 | — | $13 | 0.01% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $10 | — | $10 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 1543 TEDDINGTON ST DELAND, FL 32720 | AFLAC | $9 | — | $9 | 0.00% |
| DUSTIN DANIEL LARD3 | 4811 MILLER RD SW LILBURN, GA 30047 | AFLAC | $8 | — | $8 | 0.00% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $7 | — | $7 | 0.00% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $6 | — | $6 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 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 | $193K |
| 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.