| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHA K LAVENDER3 Filed as: MARSHA LAVENDER | PO BOX 322 EVA, AL 35621 | AFLAC | $8K | $912 | $9K | 11.51% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $2K | $182 | $2K | 2.90% |
| LOUIS CULLEN SMITH3 Filed as: LOUIS SMITH | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $1K | $182 | $2K | 1.97% |
| GREGORY S FRY3 Filed as: GREGORY FRY | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $1K | $182 | $1K | 1.78% |
| MELANIE H KELLEY3 Filed as: MELANIE KELLEY | 112 FOXBORO PL NW HUNTSVILLE, AL 35806 | AFLAC | $698 | — | $698 | 0.87% |
| CHARLES HOWARD JOBE3 Filed as: CHARLES JOBE | 6852 AMHERST DR APT 2108 SAGAMORE HILLS, OH 44067 | AFLAC | $683 | — | $683 | 0.85% |
| RANDALL BLEVINS3 | 814 LONGBOW DR SW DECATUR, AL 35603 | AFLAC | $654 | — | $654 | 0.81% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $487 | — | $487 | 0.61% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $420 | — | $420 | 0.52% |
| VICKI CLACKLEY3 | 115 HICKORY LN DECATUR, AL 35603 | AFLAC | $377 | — | $377 | 0.47% |
| ROBERTA WILSON3 | 709 LILY FLAGG RD SE HUNTSVILLE, AL 35802 | AFLAC | $68 | — | $68 | 0.08% |
| PHYLLIS BRALY3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $40 | — | $40 | 0.05% |
| KEITH E STEVENS3 | 2808 LOUISE RUSSELL DR ANTIOCH, TN 37013 | AFLAC | $34 | — | $34 | 0.04% |
| BRENDA S SPEER3 Filed as: BRENDA SPEER | PO BOX 327 PULASKI, TN 38478 | AFLAC | $19 | — | $19 | 0.02% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $18 | — | $18 | 0.02% |
| STEVEN P MOORE3 Filed as: STEVEN MOORE | 4749 GRIFFITT BEND RD TALLADEGA, AL 35160 | AFLAC | $18 | — | $18 | 0.02% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO INC | 3500 BLUE LAKE DRIVE STE 120 BIRMINGHAM, AL 35223 | AFLAC | $16 | — | $16 | 0.02% |
| DIXIE A SMITH3 Filed as: DIXIE SMITH | 114 MAIN AVE N FAYETTEVILLE, TN 37334 | AFLAC | $16 | — | $16 | 0.02% |
| JAMES D STEPHENS3 Filed as: JAMES STEPHENS | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $14 | — | $14 | 0.02% |
| PATRICIA ELLERTH3 | 1423 HIGHWAY 130 E SHELBYVILLE, TN 37160 | AFLAC | $12 | — | $12 | 0.01% |
| BYRON ALLEN BRAY3 Filed as: BYRON BRAY | 3214 18TH AVE BEAVER FALLS, PA 15010 | AFLAC | $10 | — | $10 | 0.01% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $10 | — | $10 | 0.01% |
| KELSEY EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $8 | — | $8 | 0.01% |
| ESTATE OF JACK DAVID LARD3 | 278 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $7 | — | $7 | 0.01% |
| STEPHEN D. ALLEN3 Filed as: STEPHEN ALLEN | 305 W DUNCAN AVE FLORENCE, AL 35630 | AFLAC | $7 | — | $7 | 0.01% |
| JANE E TUCKER3 | PO BOX 2825 SHELBYVILLE, TN 37162 | AFLAC | $7 | — | $7 | 0.01% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.01% |
| THOMAS J PITZENBERGER3 Filed as: THOMAS PITZENBERGER | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $6 | — | $6 | 0.01% |
| CNL ENTERPRISES INC3 | PO BOX 2746 FLORENCE, AL 35630 | AFLAC | $5 | — | $5 | 0.01% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 123 CENTER PARK DRIVE STE 102 KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO INC | PO BOX 6087 HUNTSVILLE, AL 35813 | AFLAC | $2 | — | $2 | 0.00% |
| DEANNA IVEY3 | 1807 LINDSAY LN S ATHENS, AL 35613 | AFLAC | $2 | — | $2 | 0.00% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 296 | $1.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 296 | $1.1M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 296 | $1.2M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 296 | $1.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 296 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.