| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 352431909 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.53% |
| JOSEPH M. KELLEY3 | 2700 HIGHWAY 280 S SUITE 206W MOUNTAIN BROOK, AL 352232468 | VISION SERVICE PLAN | $2K | — | $2K | 7.00% |
| RICKEY H GIBBS3 | PO BOX 100 HOLLY POND, AL 35083 | AFLAC | $2K | — | $2K | 10.47% |
| DEWAYNE D RAY3 | PO BOX 41 GUNTERSVILLE, AL 35976 | AFLAC | $1K | — | $1K | 5.61% |
| WANDA S GIBBS3 | PO BOX 100 HOLLY POND, AL 35083 | AFLAC | $795 | — | $795 | 3.86% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $714 | — | $714 | 3.46% |
| CULLEN SMITH & ASSOCIATES INC3 Filed as: CULLEN SMITH & ASSOCIATES | 2764 RISING MEADOW DRIVE AKRON, OH 44333 | AFLAC | $539 | — | $539 | 2.61% |
| JEFFRY A WILSON SR3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $185 | — | $185 | 0.90% |
| VIRGINIA H SAMPSON3 | 370 SCHNAULT HOLLOW ROAD GRANT, AL 35747 | AFLAC | $181 | — | $181 | 0.88% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $135 | — | $135 | 0.65% |
| TERESA HAWKINS3 | 2008 RIDGE CREST ROAD GUNTERSVILLE, AL 35976 | AFLAC | $62 | — | $62 | 0.30% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 230 3 GOODMAN RD STE 100 SOUTHAVEN, MS 38671 | AFLAC | $46 | — | $46 | 0.22% |
| WAYNE D HESTER3 | 10330 HIGHWAY 43 RUSSELLVILLE, AL 35653 | AFLAC | $42 | — | $42 | 0.20% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 13163 BUCKTHORN CT MOBILE, AL 36608 | AFLAC | $30 | — | $30 | 0.15% |
| HAZEL G JOHNSON3 | 209 BOB WITT ROAD MEDINA, TN 38355 | AFLAC | $26 | — | $26 | 0.13% |
| CHARLES K LOWERY3 | 522 ALABAMA STREET KILLEN, AL 35645 | AFLAC | $16 | — | $16 | 0.08% |
| WILLIAM C BROWNING3 | 47 WOOD DUCK COVE JACKSON, TN 38305 | AFLAC | $14 | — | $14 | 0.07% |
| OZELL S HINKLE3 | 1111 CALVERT RD CULLMAN, AL 35057 | AFLAC | $13 | — | $13 | 0.06% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 10200 SABLE RIDGE ROAD MOBILE, AL 36695 | AFLAC | $10 | — | $10 | 0.05% |
| DAN STECKLEIN3 | 2011 CENTRAL AVENUE LOWER LEVEL SOUTH DODGE CITY, KS 67801 | AFLAC | $10 | — | $10 | 0.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $8 | — | $8 | 0.04% |
| SCOTT J RUSSELL3 Filed as: SCOTT J RUSEELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $8 | — | $8 | 0.04% |
| JOSHUA LEE JONES3 | 1898 RIDGE LAKE DR CHESTERFIELD, MO 63017 | AFLAC | $7 | — | $7 | 0.03% |
| REX L BROOKS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $7 | — | $7 | 0.03% |
| WILLIAM SHIREY II3 | 1423 LAKESIDE DR NW CULLMAN, AL 35055 | AFLAC | $6 | — | $6 | 0.03% |
| STEVE C BRANNON3 | 2812 BURNING TREE MOUNTAIN ROAD SE DECATUR, AL 35603 | AFLAC | $6 | — | $6 | 0.03% |
| BRAD J SCHUMACHER3 | PO BOX 762 HAYS, KS 67601 | AFLAC | $2 | — | $2 | 0.01% |
| BRENT L GOODE3 | 301 MALLORY STATION RD SUITE 100 FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.01% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $1 | — | $1 | 0.00% |
| RICKY GIBBS3 | PO BOX 100 HOLLY POND, AL 35083 | AFLAC | $1K | $207 | $2K | 8.26% |
| DEWAYNE D RAY3 | PO BOX 41 GUNTERSVILLE, AL 35976 | AFLAC | $621 | $102 | $723 | 3.76% |
| WANDA S GIBBS3 | PO BOX 100 HOLLY POND, AZ 35083 | AFLAC | $650 | $47 | $697 | 3.63% |
| SAIC INC3 Filed as: SAIC INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $446 | $66 | $512 | 2.66% |
| CULLEN SMITH & ASSOCIATES INC3 Filed as: CULLEN SMITH & ASSOCIATES INC. | 2764 RISING MEADOW DRIVE AKRON, OH 44333 | AFLAC | $210 | $65 | $275 | 1.43% |
| JEFFRY A WILSON SR3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $141 | — | $141 | 0.73% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $137 | — | $137 | 0.71% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $124 | — | $124 | 0.65% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $58 | — | $58 | 0.30% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 13163 BUCKTHORN CT MOBILE, AL 36608 | AFLAC | $48 | — | $48 | 0.25% |
| TERESA HAWKINS3 | 2008 RIDGE CREST DRIVE GUNTERSVILLE, AL 35976 | AFLAC | $41 | — | $41 | 0.21% |
| WAYNE D HESTER3 | 10330 HIGHWAY 43 RUSSELVILLE, AL 35653 | AFLAC | $37 | — | $37 | 0.19% |
| HAZEL G JOHNSON3 | 209 BOB WITT ROAD MEDINA, TN 38355 | AFLAC | $21 | — | $21 | 0.11% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $14 | — | $14 | 0.07% |
| WILLIAM C BROWNING3 | 47 WOOD DUCK COVE JACKSON, TN 38305 | AFLAC | $11 | — | $11 | 0.06% |
| OZELL S HINKLE3 | 1111 CALVERT ROAD CULLMAN, AL 35057 | AFLAC | $10 | — | $10 | 0.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $8 | — | $8 | 0.04% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $7 | — | $7 | 0.04% |
| JOSHUA LEE JONES3 | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | AFLAC | $6 | — | $6 | 0.03% |
| REX L BROOKS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $5 | — | $5 | 0.03% |
| STEVE C BRANNON3 | 2812 BURNINGTREE MOUNTAIN ROAD SE DECATUR, AL 35603 | AFLAC | $5 | — | $5 | 0.03% |
| WILLIAM SHIREY II3 | 1423 LAKESIDE DRIVE NW CULLMAN, AL 35055 | AFLAC | $3 | — | $3 | 0.02% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.01% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO, INC. | 3500 BLUE DRIVE STE 120 VESTAVIA, AL 352431909 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $771 | $3K | 19.55% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 344 | $1.1M |
| Vision | VISION SERVICE PLAN | 191 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $30K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 344 | $1.1M |
| Other(3 contracts, 2 carriers) | AFLAC | 241 | $57K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.