| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 358013803 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $4K | $20K | 15.51% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY STREET SW HUNTSVILLE, AL 35801 | AFLAC | $6K | — | $6K | 6.91% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $6K | — | $6K | 6.02% |
| DOWDY INURANCE LLC | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $2K | $71 | $2K | 2.12% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $1K | — | $1K | 1.55% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $728 | $71 | $799 | 0.86% |
| CNL ENTERPRISES INC | 278 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $519 | — | $519 | 0.56% |
| SAIC INC | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $498 | — | $498 | 0.54% |
| KELVIN MICHAEL RICE | 623 WESTBROOK RD DOTHAN, AL 36303 | AFLAC | $288 | — | $288 | 0.31% |
| R AND L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $224 | — | $224 | 0.24% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $199 | — | $199 | 0.21% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $112 | — | $112 | 0.12% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DRIVE NW STE G HUNTSVILLE, AL 35805 | AFLAC | $95 | — | $95 | 0.10% |
| JOSEPH P CALARCO Filed as: JOSEPH N. MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $88 | — | $88 | 0.10% |
| JAMES S. WARD | 106 MADISON VILLAS WAY MADISON, AL 35758 | AFLAC | $62 | — | $62 | 0.07% |
| JOSEPH E PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $61 | — | $61 | 0.07% |
| SACHIKO BASDEN | 112 FIRECRACKER RD SLOCOMB, AL 36375 | AFLAC | $45 | — | $45 | 0.05% |
| JOHN TODD LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $27 | — | $27 | 0.03% |
| SCOTT J RUSSELL Filed as: SCOTT J. RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | 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 | $16 | — | $16 | 0.02% |
| JOHN W AMOS | 10051 VETERANS PKWY 2B MIDLAND, GA 31820 | AFLAC | $15 | — | $15 | 0.02% |
| JOEL SANDERS | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $15 | — | $15 | 0.02% |
| LYNNE HUDGINS MOORE | 8650 MINNIE BROWN ROAD STE 150 MONTGOMERY, AL 36117 | AFLAC | $15 | — | $15 | 0.02% |
| STAN A SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $11 | — | $11 | 0.01% |
| 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% |
| SUZETTE GOULD | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $7 | — | $7 | 0.01% |
| BENJAMIN B GAMBLE | 720 GALLATIN ST SW STE 200 HUNTSVILLE, AL 35801 | AFLAC | $4 | — | $4 | 0.00% |
| 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 | $1K | — | $1K | 12.43% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.57% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $197 | — | $197 | 3.18% |
| BARRY BRYAN Filed as: BARRY G BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $175 | — | $175 | 2.82% |
| DOWDY INSURANCE | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $163 | $8 | $171 | 2.76% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $96 | — | $96 | 1.55% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $29 | $8 | $37 | 0.60% |
| KELVIN MICHAEL RICE | 623 WESTBROOK RD DOTHAN, AL 36303 | AFLAC | $36 | — | $36 | 0.58% |
| SUZETTE GOULD | 7924 CLEAR BROOK CIR FORT WORTH, TX 76123 | AFLAC | $17 | — | $17 | 0.27% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $15 | — | $15 | 0.24% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $9 | — | $9 | 0.15% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $584 | — | $584 | 12.69% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $437 | — | $437 | 10.13% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $322 | — | $322 | 7.47% |
| DOWDY INSURANCE | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $111 | — | $111 | 2.57% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $107 | — | $107 | 2.48% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $79 | — | $79 | 1.83% |
| GREGORY REYNOLDS | 201 BRIARWOOD DRIVE KILLEN, AL 35645 | AFLAC | $21 | — | $21 | 0.49% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $11 | — | $11 | 0.26% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $10 | — | $10 | 0.23% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $172 | — | $172 | 4.77% |
| DOWDY INSURANCE | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $73 | — | $73 | 2.02% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $68 | — | $68 | 1.88% |
| SAIC INC | 1639 BRADLEY PARK DRIVE STE 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $39 | — | $39 | 1.08% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $35 | — | $35 | 0.97% |
| JOSEPH P CALARCO Filed as: JOSEPH N. MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $28 | — | $28 | 0.78% |
| SACHIKO BASDEN | 112 FIRECRACKER RD SLOCOMB, AL 36375 | AFLAC | $28 | — | $28 | 0.78% |
| 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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 492 | $2.8M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 492 | $2.8M |
| Vision(4 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 319 | $152K |
| Life insurance(4 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 319 | $152K |
| Short-term disability(7 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 319 | $252K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 492 | $2.8M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 492 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.