| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 358013803 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $4K | $19K | 15.34% |
| BARRY BRYAN3 Filed as: BARRY GANN BRYAN JR | 2318 PANSY STREET SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY STREET SW HUNTSVILLE, AL 35801 | AFLAC | $9K | — | $9K | 8.09% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $7K | — | $7K | 6.52% |
| DOWDY INURANCE LLC | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $2K | $36 | $3K | 2.26% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $2K | $75 | $2K | 1.96% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $776 | $42 | $818 | 0.73% |
| CNL ENTERPRISES INC | 278 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $619 | — | $619 | 0.56% |
| SAIC INC | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $590 | — | $590 | 0.53% |
| KELVIN MICHAEL RICE | 623 WESTBROOK RD DOTHAN, AL 36303 | AFLAC | $429 | $2 | $431 | 0.39% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $266 | — | $266 | 0.24% |
| R AND L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $243 | — | $243 | 0.22% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $180 | $21 | $201 | 0.18% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DRIVE NW STE G HUNTSVILLE, AL 35805 | AFLAC | $105 | — | $105 | 0.09% |
| JOSEPH P CALARCO Filed as: JOSEPH N. MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $103 | — | $103 | 0.09% |
| JAMES S. WARD | 106 MADISON VILLAS WAY MADISON, AL 35758 | AFLAC | $79 | — | $79 | 0.07% |
| SCOTT J RUSSELL Filed as: SCOTT J. RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $56 | — | $56 | 0.05% |
| JOSEPH E PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $53 | — | $53 | 0.05% |
| SACHIKO BASDEN | 112 FIRECRACKER RD SLOCOMB, AL 36375 | AFLAC | $49 | — | $49 | 0.04% |
| JOHN TODD LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $31 | — | $31 | 0.03% |
| BRANDON JAMES WARDEN | 2767 HIGHWAY 59 SPRUCE PINE, AL 35585 | AFLAC | $25 | — | $25 | 0.02% |
| GREGORY REYNOLDS | 201 BRIARWOOD DRIVE KILLEN, AL 35645 | AFLAC | $22 | — | $22 | 0.02% |
| RHONDA I LOWERY | PO BOX 213 KILLEN, AL 35645 | AFLAC | $22 | — | $22 | 0.02% |
| SUZETTE GOULD | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $20 | — | $20 | 0.02% |
| JOHN W AMOS | 10051 VETERANS PKWY 2B MIDLAND, GA 31820 | AFLAC | $18 | — | $18 | 0.02% |
| JOEL SANDERS | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $18 | — | $18 | 0.02% |
| LYNNE HUDGINS MOORE | 8650 MINNIE BROWN ROAD STE 150 MONTGOMERY, AL 36117 | AFLAC | $18 | — | $18 | 0.02% |
| STAN A SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $13 | — | $13 | 0.01% |
| SHARON E PRINE | 90 DYESS CIR COLUMBIA, MS 39429 | AFLAC | $11 | — | $11 | 0.01% |
| GARY L PRINE | 90 DYESS CIR COLUMBIA, MS 39429 | AFLAC | $11 | — | $11 | 0.01% |
| JOSEPH E PARKER JR | 6668 US HWY 98 STE A HATTIESBURG, MS 39402 | AFLAC | $11 | — | $11 | 0.01% |
| BENJAMIN B GAMBLE | 720 GALLATIN ST SW STE 200 HUNTSVILLE, AL 35801 | AFLAC | $11 | — | $11 | 0.01% |
| ERIN L KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $5 | — | $5 | 0.00% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $724 | — | $724 | 5.73% |
| BARRY BRYAN Filed as: BARRY G BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $562 | — | $562 | 4.44% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $393 | $55 | $448 | 3.54% |
| DOWDY INSURANCE | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $383 | $18 | $401 | 3.17% |
| KELVIN MICHAEL RICE | 623 WESTBROOK RD DOTHAN, AL 36303 | AFLAC | $116 | $3 | $119 | 0.94% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $67 | $15 | $82 | 0.65% |
| SUZETTE GOULD | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $19 | — | $19 | 0.15% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $13 | — | $13 | 0.10% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $9 | — | $9 | 0.07% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.30% |
| BARRY BRYAN3 Filed as: BARRY GANN BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.44% |
| BARRY BRYAN3 Filed as: BARRY GANN BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $562 | — | $562 | 11.97% |
| BARRY BRYAN3 Filed as: BARRY GANN BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $166 | $24 | $190 | 4.47% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $176 | — | $176 | 4.14% |
| DOWDY INSURANCE | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $106 | $8 | $114 | 2.68% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $91 | — | $91 | 2.14% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $42 | $8 | $50 | 1.18% |
| GREGORY REYNOLDS | 201 BRIARWOOD DRIVE KILLEN, AL 35645 | AFLAC | $30 | — | $30 | 0.71% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $20 | — | $20 | 0.47% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $15 | — | $15 | 0.35% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $187 | — | $187 | 4.78% |
| DOWDY INSURANCE | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $79 | — | $79 | 2.02% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $74 | — | $74 | 1.89% |
| SAIC INC | 1639 BRADLEY PARK DRIVE STE 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $42 | — | $42 | 1.07% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $38 | — | $38 | 0.97% |
| JOSEPH P CALARCO Filed as: JOSEPH N. MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $30 | — | $30 | 0.77% |
| SACHIKO BASDEN | 112 FIRECRACKER RD SLOCOMB, AL 36375 | AFLAC | $30 | — | $30 | 0.77% |
| JOHN TODD LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $3 | — | $3 | 0.08% |
| STAN A SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.08% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 521 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 521 | $2.7M |
| Vision(4 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $150K |
| Life insurance(4 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $150K |
| Short-term disability(7 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $269K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 521 | $2.7M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 521 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.