| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | THE HUNTER BENEFITS GROUP 2415 ROSEDALE SUITE G MUSCLE SHOALS, AL 35661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $251K | — | $251K | 16.61% |
| ALTERNATIVE INSURANCE RESOURCES INC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $62K | — | $62K | 9.99% |
| JERRY DUNCAN3 Filed as: JERRY CROWELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 11.33% |
| CLINTON POLLEY GROUP3 Filed as: CLINTON MCLAIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 3.02% |
| LONELL PLYLER3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.24% |
| BLAINE HUBER INSURANCE SERVICES3 Filed as: BLAINE BUTLER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.03% |
| DUSTIN PRICE3 Filed as: DUSTIN WATKINS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $484 | — | $484 | 0.14% |
| EDWARD D SOMMER3 Filed as: EDWARD RIKARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $308 | — | $308 | 0.09% |
| KATHY WIEDEMANN3 Filed as: KATHY ASHE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $129 | — | $129 | 0.04% |
| LOUIS R FAIOLA3 Filed as: LOUIS NORREL, JR. | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $124 | — | $124 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN HAMPTON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $109 | — | $109 | 0.03% |
| ALLISON FARRIS WENDELBERGER3 Filed as: ALLISON DRIVER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $45 | — | $45 | 0.01% |
| NAN HOPSON3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $42 | — | $42 | 0.01% |
| CLARA VICE3 Filed as: CLARA DISMUKES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $41 | — | $41 | 0.01% |
| RAYMOND B LINGLE3 Filed as: RAYMOND SMITH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| PATRICK RUHLE3 Filed as: PATRICK STAFFORD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MICHAEL HUNTER3 Filed as: MICHAEL F. HUNTER | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $19K | $760 | $20K | 5.85% |
| CARA G FRETWELL3 Filed as: CARA G. FRETWELL | 604 FORD AVENUE MUSCLE SHOALS, AL 35661 | AFLAC | $6K | $258 | $6K | 1.91% |
| MARILYN HUNTER3 Filed as: MARILYN D. HUNTER | P.O. BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $6K | — | $6K | 1.68% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $5K | $204 | $5K | 1.50% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE SUITE 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $5K | — | $5K | 1.48% |
| STEVEN L MOORE3 Filed as: STEVEN L. MOORE | P.O. BOX 2692 MUSCLE SHOALS, AL 35662 | AFLAC | $3K | — | $3K | 0.94% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK, JR. | 325 LOBLOLLY DRIVE BONAIRE, GA 31005 | AFLAC | $3K | — | $3K | 0.84% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C. ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35663 | AFLAC | $1K | — | $1K | 0.34% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N. MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $1K | — | $1K | 0.33% |
| JOSEPH MCBRIDE3 | 121 DALTON LANE TUSCUMBIA, AL 35674 | AFLAC | $1K | — | $1K | 0.30% |
| SUZETTE GOULD3 | 7924 CLEAR BROOK CIRCLE FORT WORTH, TX 76123 | AFLAC | $648 | — | $648 | 0.19% |
| TRINITY BENEFIT SOLUTIONS3 | 2318 PANSY STREET SW HUNTSVILLE, AL 35801 | AFLAC | $539 | — | $539 | 0.16% |
| JASON L WEEKS3 Filed as: JASON L. WEEKS | 620 STONEGLEN DRIVE SUITE L KELLER, TX 76248 | AFLAC | $384 | — | $384 | 0.11% |
| GIBBS MORGAN3 | P.O. BOX 2552 INDIAN TRAIL, NC 28079 | AFLAC | $381 | — | $381 | 0.11% |
| FELICIA A WEAR3 Filed as: FELICIA A. WEAR | 89 CEDARBEND DRIVE FLORENCE, AL 35634 | AFLAC | $311 | — | $311 | 0.09% |
| STAN A SHERLIN3 Filed as: STAN A. SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $286 | — | $286 | 0.09% |
| CRAIG M GADDY3 Filed as: CRAIG M. GADDY | 405 ROCKY RIDGE ROAD NE JACKSONVILLE, AL 36265 | AFLAC | $188 | $73 | $261 | 0.08% |
| RALPH H KEELER3 Filed as: RALPH S. MANN | 90 VIRGINIA WAY ROGERSVILLE, AL 35652 | AFLAC | $233 | — | $233 | 0.07% |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $210 | — | $210 | 0.06% |
| CATHIE TATE3 | 110 SUMMER WIND CIRCLE MADISON, AL 35758 | AFLAC | $159 | — | $159 | 0.05% |
| LAUREN S GREENE3 Filed as: LAUREN S. GREENE | 436 D COUNTY ROAD 57 DENNIS, MS 38838 | AFLAC | $98 | $14 | $112 | 0.03% |
| ERIN L KIRKLAND3 Filed as: ERIN KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $100 | — | $100 | 0.03% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $89 | — | $89 | 0.03% |
| SHERRIE BUSKIRK3 | 1083 COUNTY ROAD 54 SHANNON, MS 38868 | AFLAC | $67 | — | $67 | 0.02% |
| CHRISTY W FISHER3 Filed as: CHRISTY W. FISHER | 104 W MAIN STREET BALDWYN, MS 38824 | AFLAC | $51 | — | $51 | 0.02% |
| KRISTY H. BUSKIRK3 | 1015 DOGWOOD CV. NEW ALBANY, MS 38652 | AFLAC | $48 | — | $48 | 0.01% |
| JOHN BRADY LAWSON3 | 11451 LANDON DRIVE NORTHPORT, AL 35475 | AFLAC | $40 | — | $40 | 0.01% |
| WILLIAM C ATKINS3 Filed as: WILLIAM C. ATKINS | 891 HARRELL DRIVE WEST POINT, MS 39773 | AFLAC | $39 | — | $39 | 0.01% |
| GINGER KAYE HARDY3 | 1105 W. JACKSON STREET TUPELO, MS 38804 | AFLAC | $34 | $2 | $36 | 0.01% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DRIVE PIKE ROAD, AL 36064 | AFLAC | $32 | — | $32 | 0.01% |
| WAYNE D HESTER3 Filed as: WAYNE D. HESTER | 10330 HIGHWAY 43 RUSSELLVILLE, AL 35653 | AFLAC | $29 | — | $29 | 0.01% |
| CNL ENTERPRISES INC3 Filed as: CNL ENTERPRISES, INC. | 278 PLANTATION SPRINGS DRIVE FLORENCE, AL 35630 | AFLAC | $26 | — | $26 | 0.01% |
| JOHN R BRASEL3 Filed as: JOHN R. BRASEL | 118 ALLYE AVENUE MOORESVILLE, MS 38857 | AFLAC | $21 | — | $21 | 0.01% |
| JACKY R. BULLOCK3 | 37 COUNTY ROAD 1475 BURNSVILLE, MS 38833 | AFLAC | $18 | — | $18 | 0.01% |
| HARDY INSURANCE INC3 Filed as: HARDY INSURANCE, INC. | P.O. BOX 872 TUPELO, MS 38802 | AFLAC | $17 | — | $17 | 0.01% |
| LISA MCDANIEL3 Filed as: LISA F. MCDANIEL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $16 | — | $16 | 0.00% |
| GRETA L STOCKTON3 Filed as: GRETA L. STOCKTON | 557 CROWN DRIVE FULTON, MS 38843 | AFLAC | $15 | — | $15 | 0.00% |
| RANDY B JACKSON3 Filed as: RANDY B. JACKSON | P.O. BOX 1550 MILLBROOK, AL 36054 | AFLAC | $14 | — | $14 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: CHARNETTE L. WILLIS | 302 MARKET STREET MUSCLE SHOALS, AL 35661 | AFLAC | $14 | — | $14 | 0.00% |
| CARA PLUMMER-PAXTON3 | 805 BAKEWELL STREET #2 COVINGTON, KY 41011 | AFLAC | $12 | — | $12 | 0.00% |
| SHELLEY R. JAMES3 | 462 2ND AVENUE SUITE B GALLIPOLIS, OH 45631 | AFLAC | $12 | — | $12 | 0.00% |
| THE CHAPPANO GROUP, LLC3 | 116 WASHINGTON AVENUE LOCKLAND, OH 45215 | AFLAC | $11 | — | $11 | 0.00% |
| CHARLES BRYAN WARREN3 | P.O. BOX 3357 TUPELO, MS 38803 | AFLAC | $11 | — | $11 | 0.00% |
| BENNY W STENNETT3 Filed as: BENNY W. STENNETT | 5 COUNTY ROAD 230 CORINTH, MS 38834 | AFLAC | $11 | — | $11 | 0.00% |
| SANDRA K BASS VAVRUNEK3 Filed as: SANDRA K. BASS VAVRUNEK | P.O. BOX 236 MOOREVILLE, MS 38857 | AFLAC | $10 | — | $10 | 0.00% |
| THOMAS D SMITH3 Filed as: THOMAS D. SMITH | 909 CLISBY ROAD WEST POINT, MS 39773 | AFLAC | $10 | — | $10 | 0.00% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R & L SUPPLEMENTAL BENEFITS, INC. | P.O. BOX 893 FLORENCE, AL 35631 | AFLAC | $9 | — | $9 | 0.00% |
| SCOTT J RUSSELL3 Filed as: SCOTT J. RUSSELL | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $8 | — | $8 | 0.00% |
| JAYNE A STALLINGS3 Filed as: JAYNE A. STALLINGS | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $7 | — | $7 | 0.00% |
| CHARLES E MCDANIEL II3 | 1224 PEACOCK AVENUE SUITE 205E COLUMBUS, GA 31906 | AFLAC | $6 | — | $6 | 0.00% |
| TERESA A RUCKER3 Filed as: TERESA A. RUCKER | 6248 BORDEAUX CIRCLE SANFORD, FL 32771 | AFLAC | $6 | — | $6 | 0.00% |
| EMILY L PHIFER3 Filed as: EMILY L. PHIFER | 140 COUNTY ROAD 226 IUKA, MS 38852 | AFLAC | $6 | — | $6 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN W. AMOS | 10051 VETERANS PARKWAY SUITE B-2 MIDLAND, GA 31820 | AFLAC | $6 | — | $6 | 0.00% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER, SR. | 1224 PEACOCK AVENUE SUITE 205 COLUMBUS, GA 31906 | AFLAC | $6 | — | $6 | 0.00% |
| JOHN WILLIAMSON3 Filed as: JOHN W. WILLIAMSON | 360 QUAIL RIDGE ROAD WEST POINT, MS 39773 | AFLAC | $5 | — | $5 | 0.00% |
| MELISSA A MASK3 Filed as: MELISSA A. MASK | 1570 COUNTY ROAD 624 RIPLEY, MS 38663 | AFLAC | $5 | — | $5 | 0.00% |
| RONALD KOCH3 Filed as: RONALD W. KOCH | 336 MEGAN LANE COLUMBUS, MS 39705 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID ELGIN HAWKINS3 | 301 CLAYMORE DRIVE HAMILTON, GA 31811 | AFLAC | $4 | — | $4 | 0.00% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES W. MCDANIEL | 1224 PEACOCK AVENUE SUITE 205A COLUMBUS, GA 31906 | AFLAC | $3 | — | $3 | 0.00% |
| GREGORY J WEEKS3 Filed as: GREGORY J. WEEKS | 730 AVIGNON DRIVE SUITE 101 RIDGELAND, MS 39157 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIAM L AMOS III3 Filed as: WILLIAM L. AMOS III | 7100 STILLWATER DRIVE COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.00% |
| D P SMITH3 Filed as: DP SMITH | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $3 | — | $3 | 0.00% |
| RANDALL D LADNER3 Filed as: RANDALL D. LADNER | 6 GREENBRIAR DRIVE GULFPORT, MS 39507 | AFLAC | $3 | — | $3 | 0.00% |
| DONNA LYNN BAGGETT3 | P.O. BOX 113 SHANNON, MS 38868 | AFLAC | $3 | — | $3 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BOULEVARD MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.00% |
| PETER B WILKINSON JR3 Filed as: PETER B. WILKINSON, JR. | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | AFLAC | $3 | — | $3 | 0.00% |
| MARTHA TERRINIA BURCHAM3 | 211 W LIBERTY STREET CLASTON, GA 30417 | AFLAC | $2 | — | $2 | 0.00% |
| D AND V BUTLER INC3 Filed as: D AND V BUTLER, INC. | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $2 | — | $2 | 0.00% |
| SACHIKO BASDEN3 | 914 WARREN AVENUE TUSCUMBIA, AL 35674 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN E HICKS3 Filed as: BRIAN E. HICKS | 1327 JEWELL AVENUE FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| J DAVID BUTLER3 | 404 A W PARKWAY PLACE RIDGELAND, MS 39157 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY J WEEKS3 Filed as: GREGORY J. WEEKS | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $1 | — | $1 | 0.00% |
| VICKI M BUTLER3 Filed as: VICKI M. BUTLER | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY BOLICK3 Filed as: BRADLEY S. BOLICK | 6433 FALL BRANCH DRIVE COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| C R RAMSEY POTTS3 | P.O. BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $1 | — | $1 | 0.00% |
| J DAVID BUTLER3 | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM VENARD CABLE3 Filed as: WILLIAM V. CABLE | P.O. BOX 660787 BIRMINGHAM, AL 35266 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | WILLIS TOWERS WATSON MIDWEST 35371 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST, INC. | P.O. BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $878 | — | $878 | 1.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | WILLIS TOWERS WATSON MIDWEST 35371 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST, INC. | P.O. BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $582 | — | $582 | 1.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | WILLIS TOWERS WATSON MIDWEST 35371 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST, INC. | P.O. BOX 101162 PADADENA, CA 91189 | STANDARD INSURANCE COMPANY | $746 | — | $746 | 1.74% |
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 | 1,648 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,529 | $621K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,775 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,837 | $1.6M |
| Short-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,775 | $1.6M |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,775 | $1.6M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,837 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,837 | — |
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.