| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICKEY H GIBBS3 | PO BOX 100 HOLLY POND, AL 35083 | AFLAC | $15K | $124 | $15K | 15.48% |
| DEWAYNE D RAY3 | PO BOX 41 GUNTERSVILLE, AL 35976 | AFLAC | $12K | $28 | $12K | 12.16% |
| RON TOWNLEY3 | 6602 LIZZIE LANE SE OWENS CROSS ROADS, AL 35763 | AFLAC | $5K | — | $5K | 5.47% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $4K | $28 | $4K | 4.17% |
| WANDA S GIBBS3 | PO BOX 100 HOLLY POND, AL 35083 | AFLAC | $1K | $40 | $1K | 1.26% |
| ADAM BUNCH3 | 5512 CEDAR MILL DRIVE GUNTERSVILLE, AL 35976 | AFLAC | $885 | — | $885 | 0.89% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $644 | — | $644 | 0.65% |
| JONATHAN CRAWFORD3 | 421 SMALLEY DRIVE SE ARAB, AL 35016 | AFLAC | $274 | — | $274 | 0.28% |
| ROBERTA WILSON3 | 709 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AFLAC | $250 | — | $250 | 0.25% |
| CULLEN SMITH & ASSOCIATES INC3 Filed as: CULLEN SMITH & ASSOCIATES | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $248 | — | $248 | 0.25% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $213 | — | $213 | 0.21% |
| BRIAN S LOWE3 Filed as: BRIAN LOWE | 920 SARDIS DRIVE BOAZ, AL 35956 | AFLAC | $100 | — | $100 | 0.10% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $99 | — | $99 | 0.10% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 13163 BUCKTHORN CT MOBILE, AL 36608 | AFLAC | $84 | — | $84 | 0.08% |
| TERESA HAWKINS3 | 2008 RIDGE CREST DRIVE GUNTERSVILLE, AL 35976 | AFLAC | $58 | — | $58 | 0.06% |
| WAYNE D HESTER3 | 10330 HIGHWAY 43 RUSSELLVILLE, AL 35653 | AFLAC | $56 | — | $56 | 0.06% |
| HAZEL G JOHNSON3 | 209 BOB WITT ROAD MEDINA, TN 38355 | AFLAC | $31 | — | $31 | 0.03% |
| CHARLES K LOWERY3 | PO BOX 213 KILLEN, AL 35645 | AFLAC | $21 | — | $21 | 0.02% |
| WILLIAM SHIREY II3 | 1423 LAKESIDE DR NW CULLMAN, AL 35055 | AFLAC | $19 | — | $19 | 0.02% |
| ANGELA KAYE DOWDY3 Filed as: ANGELA DOWDY | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $18 | — | $18 | 0.02% |
| WILLIAM C BROWNING3 | 47 WOOD DUCK COVE JACKSON, TN 38305 | AFLAC | $16 | — | $16 | 0.02% |
| DORIS HINKLE3 | 1111 CALVERT RD CULLMAN, AL 35057 | AFLAC | $16 | — | $16 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $12 | — | $12 | 0.01% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $11 | — | $11 | 0.01% |
| JOSHUA LEE JONES3 | 18032 DEERCLIFF CT. GLENCOE, MO 63038 | AFLAC | $9 | — | $9 | 0.01% |
| REX L BROOKS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $8 | — | $8 | 0.01% |
| STEVE C BRANNON3 | 2812 BURNING TREE MOUNTAIN ROAD SE DECATUR, AL 35603 | AFLAC | $7 | — | $7 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $7 | — | $7 | 0.01% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.01% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT STREET SUITE 116 39 FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & CO. INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 13.74% |
| JOSEPH M. KELLEY3 | 2700 HIGHWAY 280 S SUITE 206W MOUNTAIN BROOK, AL 352232468 | VISION SERVICE PLAN | $2K | — | $2K | 7.00% |
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 | 244 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 344 | $1.3M |
| Vision | VISION SERVICE PLAN | 193 | $29K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 244 | $93K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 244 | $192K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 244 | $93K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 344 | $1.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 244 | $192K |
| 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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.