| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | 191 BEARDSLEY CT MUSCLE SHOALS, AL 35661 | GUARDIAN | $19K | $5K | $23K | 12.78% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $1K | $133 | $1K | 3.87% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $1K | — | $1K | 2.89% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $691 | $23 | $714 | 1.93% |
| JOSEPH MCBRIDE3 | 1121 N WOOD AVE FLORENCE, AL 35630 | AFLAC | $376 | $26 | $402 | 1.09% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R & L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $277 | — | $277 | 0.75% |
| JUSTIN L WEEKS3 | 204 SOUTH MAIN STE 120 130 KELLER, TX 76248 | AFLAC | $148 | $23 | $171 | 0.46% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $147 | $2 | $149 | 0.40% |
| ROGER BARBER3 | 3616 UKULELE ST THE VILLAGES, FL 32163 | AFLAC | $103 | — | $103 | 0.28% |
| SUZENNE WASSNER3 | PO BOX 5 SHEFFIELD, AL 35660 | AFLAC | $77 | — | $77 | 0.21% |
| MICHAEL D AISSEN3 | 920 HOLCOMB BRIDGE RD STE 200 ROSWELL, GA 30076 | AFLAC | $69 | — | $69 | 0.19% |
| REX L BROOKS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $68 | — | $68 | 0.18% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $64 | $3 | $67 | 0.18% |
| STEVEN VERMAAK3 Filed as: STEVEN P VERMAAK | 2477 NORTH FOREST DR MARIETTA, GA 30062 | AFLAC | $66 | — | $66 | 0.18% |
| CANDACE JACKSON3 | 544 MULBERRY ST STE 902 MACON, GA 31201 | AFLAC | $40 | — | $40 | 0.11% |
| LAWRENCE DENTMON3 | 797 FAIR OAKS DRIVE MACON, GA 31204 | AFLAC | $37 | — | $37 | 0.10% |
| MATTHEW CREMERS3 | 3961 BELLINGRATH MAIN NW KENNESAW, GA 30144 | AFLAC | $33 | — | $33 | 0.09% |
| TERESA M CAMPBELL3 | 420 E PARK AVE STE 301 GREENVILLE, SC 29601 | AFLAC | $25 | — | $25 | 0.07% |
| JASON WEST3 | 6501 PEAKE RD STE 950 MACON, GA 31210 | AFLAC | $19 | — | $19 | 0.05% |
| PATRICIA BROOKS3 | 153 CHEYENNE DR JACKSON, TN 38305 | AFLAC | $16 | — | $16 | 0.04% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLD 300 STE 350 NORCROSS, GA 30093 | AFLAC | $16 | — | $16 | 0.04% |
| DONALD P KREDENSOR3 Filed as: DONALD KREDENSOR | 420 E PARK AVE STE 300 GREENVILLE, SC 29601 | AFLAC | $15 | — | $15 | 0.04% |
| GIBBS MORGAN3 | 30 HARMON HTS CENTREVILLE, AL 35042 | AFLAC | $10 | — | $10 | 0.03% |
| JOHN TYLER3 | 201 W MCBEE AVE STE 301 GREENVILLE, SC 29601 | AFLAC | $6 | — | $6 | 0.02% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $6 | — | $6 | 0.02% |
| CAROLYN BAXTER3 | 10165 WOODBROOK CIRCLE LAKELAND, TN 38002 | AFLAC | $5 | — | $5 | 0.01% |
| JIM AUSTIN3 | 34 RALEIGH PLACE JACKSON, TN 38305 | AFLAC | $3 | — | $3 | 0.01% |
| MARGUERITE E LEMMON-RINEHART3 Filed as: MARGUERITE LEMMON-RINEHART | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER ROAD STE 205 COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LANE FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BOUE SHIELD ALABAMA EIN 63-0103830 | Insurance services Service code 23 | 450 RIVERCHASE PAKKWAY E BIRMINGHAM, AL 35298 | $191K |
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 | 466 | 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) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 280 | $184K |
| Vision | GUARDIAN | 280 | $184K |
| Life insurance | GUARDIAN | 280 | $184K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 280 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.