| 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 | 15.57% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY STREET SW HUNTSVILLE, AL 35801 | AFLAC | $7K | — | $7K | 7.68% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $6K | — | $6K | 6.34% |
| DOWDY INURANCE LLC | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $2K | $60 | $2K | 2.21% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $1K | — | $1K | 1.38% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $981 | $60 | $1K | 1.15% |
| SAIC INC | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $430 | — | $430 | 0.48% |
| CNL ENTERPRISES INC | 278 PLANTATION SPRINGS DR FLORENCE, AL 35630 | AFLAC | $423 | — | $423 | 0.47% |
| KELVIN MICHAEL RICE | 623 WESTBROOK RD DOTHAN, AL 36303 | AFLAC | $231 | — | $231 | 0.26% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $186 | — | $186 | 0.21% |
| R AND L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $178 | — | $178 | 0.20% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DRIVE NW STE G HUNTSVILLE, AL 35805 | AFLAC | $85 | — | $85 | 0.09% |
| JOSEPH P CALARCO Filed as: JOSEPH N. MCBRIDE | 121 DALTON LN TUSCUMBIA, AL 35674 | AFLAC | $82 | — | $82 | 0.09% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $70 | — | $70 | 0.08% |
| JAMES S. WARD | 106 MADISON VILLAS WAY MADISON, AL 35758 | AFLAC | $62 | — | $62 | 0.07% |
| SACHIKO BASDEN | 112 FIRECRACKER RD SLOCOMB, AL 36375 | AFLAC | $45 | — | $45 | 0.05% |
| SCOTT J RUSSELL Filed as: SCOTT J. RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $24 | — | $24 | 0.03% |
| JOHN TODD LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $23 | — | $23 | 0.03% |
| GREGORY REYNOLDS | 1730 COUNTY ROAD 299 FLORENCE, AL 35634 | AFLAC | $21 | — | $21 | 0.02% |
| JOSEPH E PUPEK JR | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $17 | — | $17 | 0.02% |
| JOEL SANDERS | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $13 | — | $13 | 0.01% |
| JOHN W AMOS | 10051 VETERANS PKWY 2B MIDLAND, GA 31820 | AFLAC | $13 | — | $13 | 0.01% |
| LYNNE HUDGINS MOORE | 8650 MINNIE BROWN ROAD STE 150 MONTGOMERY, AL 36117 | AFLAC | $13 | — | $13 | 0.01% |
| JOSEPH E PARKER JR | 6668 US HWY 98 STE A HATTIESBURG, MS 39402 | AFLAC | $11 | — | $11 | 0.01% |
| GARY L PRINE | 90 DYESS CIR COLUMBIA, MS 39429 | AFLAC | $10 | — | $10 | 0.01% |
| SHARON E PRINE | 90 DYESS CIR COLUMBIA, MS 39429 | AFLAC | $10 | — | $10 | 0.01% |
| STAN A SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | 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 | $5 | — | $5 | 0.01% |
| KARIN D WILLIAMSON | 4318 VISTA DR GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.00% |
| SHANNON L WYNN | 198 DOGWOOD CIR NW FORT PAYNE, AL 35967 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL FOWLER | 2204 EXECUTIVE PARK DR OPELIKA, AL 36801 | AFLAC | $1 | — | $1 | 0.00% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.58% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $852 | — | $852 | 12.58% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $177 | — | $177 | 3.11% |
| BARRY BRYAN Filed as: BARRY G BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $166 | — | $166 | 2.91% |
| DOWDY INSURANCE | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $145 | — | $145 | 2.54% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $96 | — | $96 | 1.68% |
| KELVIN MICHAEL RICE | 623 WESTBROOK RD DOTHAN, AL 36303 | AFLAC | $33 | — | $33 | 0.58% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $24 | — | $24 | 0.42% |
| SUZETTE GOULD | 6216 TRUMAN ALDRICH PKWY WEST BLOCTON, AL 35184 | AFLAC | $17 | — | $17 | 0.30% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $15 | — | $15 | 0.26% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $9 | — | $9 | 0.16% |
| 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% |
| INSURITY BENEFITS GROUP LLC3 | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $428 | — | $428 | 12.41% |
| TRINITY BENEFIT SOLUTIONS | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $467 | — | $467 | 14.55% |
| BARRY BRYAN | 2318 PANSY ST SW HUNTSVILLE, AL 35801 | AFLAC | $272 | — | $272 | 8.48% |
| DOWDY INSURANCE | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $76 | $18 | $94 | 2.93% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $70 | $18 | $88 | 2.74% |
| CATHIE TATE | 110 SUMMER WIND CIR MADISON, AL 35758 | AFLAC | $25 | — | $25 | 0.78% |
| GREGORY REYNOLDS | 1730 COUNTY ROAD 299 FLORENCE, AL 35634 | AFLAC | $7 | — | $7 | 0.22% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.09% |
| MICHAEL SHANE KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | 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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 199 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 199 | $2.7M |
| Vision(4 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 333 | $149K |
| Life insurance(4 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 333 | $149K |
| Short-term disability(7 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 333 | $246K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 199 | $2.7M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 199 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.