| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRY BRYAN3 Filed as: BARRY GANN BRYAN JR | 2318 PANSY STREET SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $2K | $12K | 15.24% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $6K | — | $6K | 9.53% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $2K | $16 | $2K | 3.90% |
| SAIC INC | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $1K | — | $1K | 1.87% |
| CNL ENTERPRISES INC | PO BOX 2746 FLORENCE, AL 35630 | AFLAC | $1K | — | $1K | 1.72% |
| ANGELA KAYE DOWDY | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $780 | — | $780 | 1.34% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $509 | — | $509 | 0.87% |
| R AND L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $428 | — | $428 | 0.73% |
| JOSEPH P CALARCO Filed as: JOSEPH N. MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $298 | $16 | $314 | 0.54% |
| JAMES S. WARD | 106 MADISON VILLAS WAY MADISON, AL 35758 | AFLAC | $280 | — | $280 | 0.48% |
| GREGORY REYNOLDS | 201 BRIARWOOD DRIVE KILLEN, AL 35645 | AFLAC | $276 | — | $276 | 0.47% |
| MICHAEL SHANE KIRKLAND | 327 S WALNUT STREET FLORENCE, AL 35630 | AFLAC | $181 | — | $181 | 0.31% |
| SACHIKO BASDEN | 230 BLDG 3 EAST GOODMAN ROAD STE 100 SOUTHAVEN, MS 38671 | AFLAC | $165 | — | $165 | 0.28% |
| SCOTT J RUSSELL Filed as: SCOTT J. RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $59 | — | $59 | 0.10% |
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 | 344 | 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) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 344 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 344 | $1.1M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $76K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $76K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $135K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 344 | $1.1M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 344 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.