| 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 | $6K | $5K | $10K | 9.19% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNSTVILLE, AL 358013803 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.94% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $6K | $306 | $6K | 6.85% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $5K | — | $5K | 5.66% |
| ANGELA KAYE DOWDY | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $2K | $110 | $2K | 2.61% |
| KELVIN MICHAEL RICE | 529 EDINBURGH WAY DOTHAN, AL 36305 | AFLAC | $1K | $110 | $1K | 1.31% |
| DOWDY INURANCE LLC | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $838 | — | $838 | 0.93% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY STREET SW HUNTSVILLE, AL 35801 | AFLAC | $781 | — | $781 | 0.86% |
| SAIC INC | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $586 | — | $586 | 0.65% |
| CNL ENTERPRISES INC | 278 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $582 | — | $582 | 0.64% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $340 | — | $340 | 0.38% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $255 | — | $255 | 0.28% |
| R AND L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $227 | — | $227 | 0.25% |
| MARSHELLE LYONS Filed as: MARSHELLE LYONE | 2512 12TH ST SW APT C HUNTSVILLE, AL 35805 | AFLAC | $202 | — | $202 | 0.22% |
| JAMES S. WARD | 106 MADISON VILLAS WAY MADISON, AL 35758 | AFLAC | $124 | — | $124 | 0.14% |
| JOSEPH P CALARCO Filed as: JOSEPH N. MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $118 | — | $118 | 0.13% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $72 | — | $72 | 0.08% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DRIVE NW STE G HUNTSVILLE, AL 35805 | AFLAC | $69 | — | $69 | 0.08% |
| SCOTT J RUSSELL Filed as: SCOTT J. RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $54 | — | $54 | 0.06% |
| SACHIKO BASDEN | 914 WARREN AVE TUSCUMBIA, AL 35674 | AFLAC | $45 | — | $45 | 0.05% |
| JOHN TODD LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $32 | — | $32 | 0.04% |
| SUZETTE GOULD | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $28 | — | $28 | 0.03% |
| BRANDON JAMES WARDEN | 2767 HIGHWAY 59 SPRUCE PINE, AL 35585 | AFLAC | $25 | — | $25 | 0.03% |
| GREGORY REYNOLDS | 201 BRIARWOOD DRIVE KILLEN, AL 35645 | AFLAC | $21 | — | $21 | 0.02% |
| RHONDA I LOWERY | PO BOX 213 KILLEN, AL 35645 | AFLAC | $20 | — | $20 | 0.02% |
| LYNNE HUDGINS MOORE | 8650 MINNIE BROWN ROAD STE 150 MONTGOMERY, AL 36117 | AFLAC | $17 | — | $17 | 0.02% |
| JOEL SANDERS | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $17 | — | $17 | 0.02% |
| JOHN W AMOS | 10051 VETERANS PKWY 2B MIDLAND, GA 31820 | AFLAC | $17 | — | $17 | 0.02% |
| JOSEPH E PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $16 | — | $16 | 0.02% |
| STAN A SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $15 | — | $15 | 0.02% |
| JOSEPH E PARKER JR | 6668 US HWY 98 STE A HATTIESBURG, MS 39402 | AFLAC | $11 | — | $11 | 0.01% |
| SHARON E PRINE | 90 DYESS CIR COLUMBIA, MS 39429 | AFLAC | $10 | — | $10 | 0.01% |
| GARY L PRINE | 90 DYESS CIR COLUMBIA, MS 39429 | AFLAC | $10 | — | $10 | 0.01% |
| ERIN L KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $4 | — | $4 | 0.00% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $767 | — | $767 | 6.10% |
| BARRY BRYAN3 Filed as: BARRY GANN BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $762 | — | $762 | 6.06% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $1K | $64 | $1K | 11.19% |
| BARRY BRYAN Filed as: BARRY G BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $621 | — | $621 | 5.76% |
| ANGELA KAYE DOWDY | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $377 | $31 | $408 | 3.79% |
| KELVIN MICHAEL RICE | 529 EDINBURGH WAY DOTHAN, AL 36305 | AFLAC | $181 | $31 | $212 | 1.97% |
| DOWDY INSURANCE | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $180 | — | $180 | 1.67% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $137 | — | $137 | 1.27% |
| MARSHELLE LYONS | 2512 12TH ST SW APT C HUNTSVILLE, AL 35805 | AFLAC | $58 | $23 | $81 | 0.75% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $56 | — | $56 | 0.52% |
| SUZETTE GOULD | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $17 | — | $17 | 0.16% |
| CNL ENTERPRISES INC | 278 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $10 | — | $10 | 0.09% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $9 | — | $9 | 0.08% |
| SAIC INC | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $8 | — | $8 | 0.07% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $8 | — | $8 | 0.07% |
| R AND L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $5 | — | $5 | 0.05% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $684 | — | $684 | 7.51% |
| BARRY BRYAN3 Filed as: BARRY GANN BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $458 | — | $458 | 5.03% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $376 | — | $376 | 7.38% |
| BARRY BRYAN3 Filed as: BARRY GANN BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $245 | — | $245 | 4.81% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $357 | — | $357 | 8.95% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $266 | — | $266 | 6.67% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $126 | — | $126 | 3.16% |
| ANGELA KAYE DOWDY | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $92 | — | $92 | 2.31% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $83 | — | $83 | 2.08% |
| DOWDY INSURANCE | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $61 | — | $61 | 1.53% |
| GREGORY REYNOLDS | 201 BRIARWOOD DRIVE KILLEN, AL 35645 | AFLAC | $28 | — | $28 | 0.70% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $17 | — | $17 | 0.43% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $14 | — | $14 | 0.35% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $158 | — | $158 | 4.78% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $63 | — | $63 | 1.90% |
| ANGELA KAYE DOWDY | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $42 | — | $42 | 1.27% |
| SAIC INC | 1639 BRADLEY PARK DRIVE STE 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $35 | — | $35 | 1.06% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $31 | — | $31 | 0.94% |
| JOSEPH P CALARCO Filed as: JOSEPH N. MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $25 | — | $25 | 0.76% |
| SACHIKO BASDEN | 914 WARREN AVE TUSCUMBIA, AL 35674 | AFLAC | $25 | — | $25 | 0.76% |
| DOWDY INSURANCE | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $24 | — | $24 | 0.73% |
| JOHN TODD LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $3 | — | $3 | 0.09% |
| STAN A SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.09% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 513 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 513 | $2.7M |
| Vision(4 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 340 | $140K |
| Life insurance(4 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 340 | $140K |
| Short-term disability(7 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 340 | $238K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 513 | $2.7M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 513 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.