| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 10.00% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $2K | $70 | $2K | 4.59% |
| MARILYN HUNTER3 Filed as: MARILYN D HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $945 | $0 | $945 | 2.27% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DR COLUMBUS, GA 31904 | AFLAC | $556 | $0 | $556 | 1.33% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL S KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $281 | $16 | $297 | 0.71% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS, INC. | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $290 | $0 | $290 | 0.70% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E PUPEK, JR. | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $224 | $0 | $224 | 0.54% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $219 | $0 | $219 | 0.53% |
| FLOYD GREGORY NAPPS3 Filed as: FLOYD G NAPPS | 275 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $150 | $0 | $150 | 0.36% |
| STEVEN L MOORE3 | PO BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $142 | $0 | $142 | 0.34% |
| CATHIE TATE3 | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $121 | $0 | $121 | 0.29% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $113 | $0 | $113 | 0.27% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $51 | $16 | $67 | 0.16% |
| MARY ALISON SMITH3 Filed as: MARY A SMITH | 52 POINT OF VW PADUCAH, KY 42001 | AFLAC | $33 | $0 | $33 | 0.08% |
| RANDALL TANNER3 | 910 WARREN AVE TUSCUMBIA, AL 35674 | AFLAC | $31 | $0 | $31 | 0.07% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $30 | $0 | $30 | 0.07% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $25 | $0 | $25 | 0.06% |
| GREGORY REYNOLDS3 | 201 BRIARWOOD DR KILLEN, AL 35645 | AFLAC | $25 | $0 | $25 | 0.06% |
| GIBBS MORGAN3 | PO BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $21 | $0 | $21 | 0.05% |
| JASON L WEEKS3 | 620 STONEGLEN DR, STE KELLER, TX 76248 | AFLAC | $17 | $0 | $17 | 0.04% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $17 | $0 | $17 | 0.04% |
| JOHN TODD LEE3 Filed as: JOHN T LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $17 | $0 | $17 | 0.04% |
| BRIAN E HICKS3 | 1327 JEWELL AVE FRANKLIN, TN 37064 | AFLAC | $16 | $0 | $16 | 0.04% |
| KEITH A PHILLIPS3 | 168 S WASHINGTON ST PRATTVILLE, AL 36067 | AFLAC | $16 | $0 | $16 | 0.04% |
| JEANNE T SCHWAB3 | 4407 LAKESIDE DR BETTENDORF, IA 52722 | AFLAC | $14 | $0 | $14 | 0.03% |
| JOY GRUBE PADGELEK3 Filed as: JOY G PADGELEK | 1195 WASHINGTON PIKE, STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $11 | $0 | $11 | 0.03% |
| STEVE C BRANNON3 | 2812 BURNINGTREE MOUNTAIN RD DECATUR, AL 35603 | AFLAC | $9 | $0 | $9 | 0.02% |
| TINA M LASSUY3 | 3021 45TH ST MOLINE, IL 61265 | AFLAC | $6 | $0 | $6 | 0.01% |
| THOMAS E SHEFFIELD3 | PO BOX 151 MC COOL JUNCTION, NE 68401 | AFLAC | $6 | $0 | $6 | 0.01% |
| JAMES THOMAS ELDRIDGE3 Filed as: JAMES T ELDRIDGE | 800 GREEN T LK W HERNANDO, MS 38632 | AFLAC | $5 | $0 | $5 | 0.01% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE H MOORE | 8650 MINNIE BROWN RD, STE 150 MONTGOMERY, AL 36117 | AFLAC | $4 | $0 | $4 | 0.01% |
| JOHN D LASSUY3 | 4544 3RD ST MOLINE, IL 61265 | AFLAC | $4 | $0 | $4 | 0.01% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 61265 | AFLAC | $3 | $0 | $3 | 0.01% |
| TINA M LASSUY3 | 5312 11TH AVENUE A MOLINE, IL 61265 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY, STE B-2 MIDLAND, GA 31820 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL HUNTER3 Filed as: MICHAEL F HUNTER | PO BOX 2826 MUSCLE SHOALS, AL 35662 | VISION SERVICE PLAN | $2K | — | $2K | 10.10% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 68 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 106 | $108K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 106 | $108K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 106 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.