| 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 | $9K | $28K | 15.07% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $2K | — | $2K | 6.58% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $745 | — | $745 | 2.61% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $415 | — | $415 | 1.45% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 343 FAIRWAYS DR MACON, GA 31220 | AFLAC | $297 | — | $297 | 1.04% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $191 | — | $191 | 0.67% |
| JOSEPH MCBRIDE3 | 1121 N WOOD AVE FLORENCE, AL 35630 | AFLAC | $185 | — | $185 | 0.65% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R & L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $185 | — | $185 | 0.65% |
| ROGER BARBER3 | 3616 UKULELE ST THE VILLAGES, FL 32163 | AFLAC | $95 | — | $95 | 0.33% |
| SUZENNE WASSNER3 | PO BOX 5 SHEFFIELD, AL 35660 | AFLAC | $71 | — | $71 | 0.25% |
| MATTHEW CREMERS3 | 3961 BELLINGRATH MAIN NW KENNESAW, GA 30144 | AFLAC | $67 | — | $67 | 0.23% |
| MICHAEL D AISSEN3 | 920 HOLCOMB BRIDGE RD STE 200 ROSWELL, GA 30076 | AFLAC | $64 | — | $64 | 0.22% |
| STEVEN VERMAAK3 Filed as: STEVEN P VERMAAK | 2477 NORTH FOREST DR MARIETTA, GA 30062 | AFLAC | $61 | — | $61 | 0.21% |
| JASON L WEEKS3 Filed as: JASON WEEKS | 620 STONEGLEN DRIVE STE L KELLER, TX 76248 | AFLAC | $61 | — | $61 | 0.21% |
| REX L BROOKS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $56 | — | $56 | 0.20% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 4245 MILGEL RD COLUMBUS, GA 31907 | AFLAC | $49 | — | $49 | 0.17% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $46 | — | $46 | 0.16% |
| CANDACE JACKSON3 | 544 MULBERRY ST STE 902 MACON, GA 31201 | AFLAC | $37 | — | $37 | 0.13% |
| LAWRENCE DENTMON3 | 797 FAIR OAKS DRIVE MACON, GA 31204 | AFLAC | $26 | — | $26 | 0.09% |
| TERESA M CAMPBELL3 | 420 E PARK AVE STE 301 GREENVILLE, SC 29601 | AFLAC | $24 | — | $24 | 0.08% |
| JASON WEST3 | 6501 PEAKE RD STE 950 MACON, GA 31210 | AFLAC | $18 | — | $18 | 0.06% |
| PATRICIA BROOKS3 | 153 CHEYENNE DR JACKSON, TN 38305 | AFLAC | $15 | — | $15 | 0.05% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLD 300 STE 350 NORCROSS, GA 30093 | AFLAC | $15 | — | $15 | 0.05% |
| DONALD P KREDENSOR3 Filed as: DONALD KREDENSOR | 420 E PARK AVE STE 300 GREENVILLE, SC 29601 | AFLAC | $14 | — | $14 | 0.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31808 | AFLAC | $12 | — | $12 | 0.04% |
| GIBBS MORGAN3 | 30 HARMON HTS CENTREVILLE, AL 35042 | AFLAC | $10 | — | $10 | 0.04% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES D DUDLEY3 Filed as: JAMES DUDLEY | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $6 | — | $6 | 0.02% |
| JOHN TYLER3 | 201 W MCBEE AVE STE 301 GREENVILLE, SC 29601 | AFLAC | $5 | — | $5 | 0.02% |
| CAROLYN BAXTER3 | 515 STATE ST APT E BAY ST LOUIS, MS 39520 | AFLAC | $5 | — | $5 | 0.02% |
| JIM AUSTIN3 | 34 RALEIGH PLACE JACKSON, TN 38305 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PKWY 2B MIDLAND, GA 31820 | 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% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT STREET STE 11639 FRANKLIN, TN 37064 | AFLAC | $3 | — | $3 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DRIVE LAWRENCEVILLE, GA 30043 | AFLAC | $3 | — | $3 | 0.01% |
| LEE RYAN MCGRAW3 Filed as: LEE MCGRAW | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER ROAD STE 205 COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.01% |
| BRADLEY BOLICK3 | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.01% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $2 | — | $2 | 0.01% |
| GARY W JOHNSON3 Filed as: GARY JOHNSON | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.01% |
| DAYTON LLC3 | 324 OLD WOOD DR COLUMBIA, SC 29212 | AFLAC | $2 | — | $2 | 0.01% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LANE FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | AFLAC | $1 | — | $1 | 0.00% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BOUE SHIELD ALABAMA EIN 63-0103830 | Contract Administrator Service code 13 | 450 RIVERCHASE PAKKWAY E BIRMINGHAM, AL 35298 | $207K |
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 | 406 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 249 | $186K |
| Vision | GUARDIAN | 249 | $186K |
| Life insurance | GUARDIAN | 249 | $186K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 249 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.