| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 361176971 | VISION SERVICE PLAN | $32K | — | $32K | 9.66% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $8K | $366 | $9K | 4.39% |
| BETTY JEAN GAMACHE3 Filed as: BETTY JANE LITTLE | 481 TOWNE LAKE PLACE MONTGOMERY, AL 36117 | AFLAC | $8K | — | $8K | 4.19% |
| BETTY JEAN GAMACHE3 | 136 CHARLESTON CT N MONTGOMERY, AL 36117 | AFLAC | $3K | — | $3K | 1.66% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $3K | — | $3K | 1.61% |
| ALFA AGENCY ALABAMA INC3 | PO BOX 11000 MONTGOMERY, AL 36191 | AFLAC | $3K | — | $3K | 1.55% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DR PIKE ROAD, AL 36064 | AFLAC | $3K | — | $3K | 1.49% |
| RYAN G SMITH3 | 415 GRACE RD TROY, AL 36081 | AFLAC | $2K | $85 | $2K | 1.22% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $1K | $75 | $1K | 0.57% |
| MONIQUE E HAHN3 | 201 AIRPORT COMMONS RD STE 133 CALERA, AL 35040 | AFLAC | $609 | — | $609 | 0.31% |
| CHAMCO LLC3 | 8 NIGHTWIND CT STE 133 COLUMBUS, GA 31909 | AFLAC | $278 | $10 | $288 | 0.15% |
| RANDY P MONTZ3 | 29 DOUBLE OAK AVE PIKE ROAD, AL 36064 | AFLAC | $250 | — | $250 | 0.13% |
| RANDY B JACKSON3 | PO BOX 1550 MILLBROOK, AL 36054 | AFLAC | $242 | — | $242 | 0.12% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $106 | — | $106 | 0.05% |
| THE HORTON GROUP3 Filed as: MEGHAN HORTON BOWEN | 8650 MINNIE BROWN RD STE 124 MONTGOMERY, AL 36117 | AFLAC | $84 | — | $84 | 0.04% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $69 | — | $69 | 0.04% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $59 | — | $59 | 0.03% |
| ANNA KATHRYN SENN3 | 3718 SPRING HILL ROAD RAMER, AL 36069 | AFLAC | $35 | — | $35 | 0.02% |
| STUART P WALKER3 | 3223 WALTON DR MONTGOMERY, AL 36111 | AFLAC | $27 | — | $27 | 0.01% |
| LISA O HUGHES3 | 2430 COUNTY ROAD 19 N PRATTVILLE, AL 36067 | AFLAC | $21 | — | $21 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $20 | — | $20 | 0.01% |
| ALICIA AARON BLEVINS3 | 1850 SQUAW RIDGE RD ECLECTIC, AL 36024 | AFLAC | $19 | — | $19 | 0.01% |
| RONALD EUGENE WALLACE3 | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $16 | — | $16 | 0.01% |
| JOHN DAVID NEILL3 | 55 TWIN OAKS DR BLOUNTSVILLE, AL 35031 | AFLAC | $15 | — | $15 | 0.01% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $15 | — | $15 | 0.01% |
| ROBERT M BARGE3 | 83 PINE MEADOW CIR ELMORE, AL 36025 | AFLAC | $13 | — | $13 | 0.01% |
| RITA G CLINE3 | 4630 CADES COVE DR GARDENDALE, AL 35071 | AFLAC | $11 | — | $11 | 0.01% |
| KAREN L BURGESS3 | 1968 EASTERN VALLEY RD BESSEMER, AL 35022 | AFLAC | $6 | — | $6 | 0.00% |
| SUPPLEMENTAL SPECIALISTS INC3 | PO BOX 1173 STE K BLAIRSVILLE, GA 30514 | AFLAC | $5 | — | $5 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN P THOMPSON JR | 1543 TEDDINGTON ST DELAND, FL 32420 | AFLAC | $4 | — | $4 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 E CAPITOL ST STE 1200 JACKSON, MS 39201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 10.97% |
| ASSUREDPARTNERS3 Filed as: SOUTHERN BENFIT GROUP, LLC | 6730 TAYLOR COURT MONTGOMERY, AL 37117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 10.94% |
| HARMON DENNIS BRADSHAW INC3 | 4131 CARMICHAEL RD PO BOX 241667 MONTGOMERY, AL 361062801 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 7.84% |
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 | 2,871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,703 | $326K |
| Other(3 contracts, 3 carriers) | AFLAC | 2,871 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,871 | — |
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.