| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORMAN WILKINS3 | 405 COALMONT RD HELENA, AL 35080 | AFLAC | $8K | $472 | $8K | 8.14% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $3K | $95 | $3K | 2.72% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $1K | — | $1K | 1.33% |
| REID ALFORD3 Filed as: REID W ALFORD | 4505 PINE TREE CIR STE 201 BIRMINGHAM, AL 35243 | AFLAC | $1K | $95 | $1K | 1.19% |
| BENJAMIN D JOHNSON3 | 9526 BEAR CREEK RD. STERRETT, AL 35147 | AFLAC | $704 | — | $704 | 0.69% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $327 | $95 | $422 | 0.41% |
| SHARON K STROUP3 | 721 CREST LN BIRMINGHAM, AL 35209 | AFLAC | $324 | — | $324 | 0.32% |
| MICHAEL J THRASHER3 | 19723 DESNA DR PORTER, TX 77365 | AFLAC | $277 | — | $277 | 0.27% |
| DENNIS W CAMDEN3 | 225 LAKE ESTATES TRAIL LONGVIEW, TX 75604 | AFLAC | $259 | — | $259 | 0.25% |
| TED E CLINE3 Filed as: TED CLINE | 3209 SILVER LAKE DRIVE PHENIX CITY, AL 36867 | AFLAC | $162 | — | $162 | 0.16% |
| KIMBERLY C HALL3 | 243 ROCK INN PT CROPWELL, AL 35054 | AFLAC | $155 | — | $155 | 0.15% |
| NEIL M MORGAN JR3 | 1904 ELLIS DR. MAIDENS, VA 23102 | AFLAC | $155 | — | $155 | 0.15% |
| CHRISTOPHER PARSONS3 | 4370 SADDLE COURT EARLSVILLE, VA 22936 | AFLAC | $144 | — | $144 | 0.14% |
| DWAYNE B ALLEN3 | 189 DIAMOND POINTE DR MAUMELLE, AR 72113 | AFLAC | $129 | — | $129 | 0.13% |
| GARY W LOVELL3 | P O BOX 682146 FRANKLIN, TN 37068 | AFLAC | $116 | — | $116 | 0.11% |
| RITA G CLINE3 Filed as: RITA CLINE | 4630 CADES COVE DRIVE GARDENDALE, AL 35071 | AFLAC | $94 | — | $94 | 0.09% |
| JERRY LEE3 Filed as: JERRY KENNETH LEE | 4615 HWY 84 E MEADVILLE, MS 39653 | AFLAC | $79 | — | $79 | 0.08% |
| HENRY D BARNETT3 Filed as: HENRY D. BARNETT | 513 WATER OAK CIR TRUSSVILLE, AL 35173 | AFLAC | $74 | — | $74 | 0.07% |
| MELVIN D BAILEY3 | 124 SIERRA COURT JACKSONS GAP, AL 36861 | AFLAC | $62 | — | $62 | 0.06% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $50 | — | $50 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES W BROWN | 244 GOODWIN CREST DRIVE SUITE 205 BIRMINGHAM, AL 35209 | AFLAC | $42 | — | $42 | 0.04% |
| BOZEMAN ENTERPRISES INC3 | 4 YACHT CLUB DR 206 DAPHNE, AL 36526 | AFLAC | $41 | — | $41 | 0.04% |
| LEATRICE G GREY3 | 1827 1ST AVE NORTH UNIT 209 BIRMINGHAM, AL 35203 | AFLAC | $30 | — | $30 | 0.03% |
| BETTY HICKS3 | PO BOX 70506 TUSCALOOSA, AL 35407 | AFLAC | $25 | — | $25 | 0.02% |
| ALISON LORAINE WASHINGTON LLC3 | 314 STERLING OAKS DR HOOVER, AL 35244 | AFLAC | $24 | — | $24 | 0.02% |
| WAYNE A STEVENS SR3 | P O BOX 121 HEFLIN, AL 36264 | AFLAC | $15 | — | $15 | 0.01% |
| MARCIA M. HUMMEL3 Filed as: MARCIA M HUMMEL | 51327 HOLLYHOCK RD SOUTH BEND, IN 46637 | AFLAC | $10 | — | $10 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS | 1853 PENNY ROYAL COURT MONUMENT, CO 80132 | AFLAC | $9 | — | $9 | 0.01% |
| JANET R WATERS3 | 1878 FOREST GLEN WAY SAINT AUGUSTINE, FL 32092 | AFLAC | $8 | — | $8 | 0.01% |
| CULLEN SMITH & ASSOCIATES INC3 Filed as: CULLEN SMITH & ASSOC. INC. | 2764 RISING MEADOW DR. AKRON, OH 44333 | AFLAC | $6 | — | $6 | 0.01% |
| BENJAMIN HUNTER3 | 735 S GARFIELD AVE SUITE 203 TRAVERSE CITY, MI 49686 | AFLAC | $5 | — | $5 | 0.00% |
| JOSEPH JORDAN3 | 2212 ALTERAS DR. ANTIOCH, TN 37013 | AFLAC | $5 | — | $5 | 0.00% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PL SE GURLEY, AL 35748 | AFLAC | $4 | — | $4 | 0.00% |
| PAUL M MARTINDALE3 | 10255 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | AFLAC | $3 | — | $3 | 0.00% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $2 | — | $2 | 0.00% |
| FRANK ALLEN YIELDING3 Filed as: FRANK A YEILDING II | 1092 OLD MILL RUN LEEDS, AL 35094 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $4K | — | $4K | 6.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | 11 NORTH WATER STREET 149TH FLOOR, SUITE 19290 MOBILE, AL 36602 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $2K | — | $2K | 3.33% |
| MARY KAITLIN MILLER3 | 1323 INVERNESS COVE DRIVE BIRMINGHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2 | $2K | 5.62% |
| LISA MARIE KLEIN3 | 1509 KINGS ROAD CANTONMENT, FL 32533 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $333 | — | $333 | 0.76% |
| C&J BENEFITS AGENCY LLC3 Filed as: C & J BENEFITS AGENCY LLC | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 0.72% |
| JUSTIN MICHAEL BANKS3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $4 | $239 | 0.55% |
| JANICE BANKS3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $238 | $0 | $238 | 0.54% |
| CHRIS BANKS3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $120 | $2 | $122 | 0.28% |
| VIVIAN GROVE PALMER3 | PO BOX 1425 MILLBROOK, AL 36054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.12% |
| FRANK ALLEN YIELDING3 | 1092 OLD MILL RUN BIRMINGHAM, AL 35094 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| HUNTER PARKER WHITE3 | PO BOX 230247 MONTGOMERY, AL 36123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING INC. | 441 O'NEAL DR. HOOVER, AL 35226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| LEONARD M MISCONIS3 | 1522 BETH STREET NW CULLMAN, AL 35055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FRANK ALLEN YIELDING3 Filed as: FRANK A YEILDING II | 1092 OLD MILL RUN LEEDS, AL 35094 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | 11 NORTH WATER STREET 149TH FLOOR, SUITE 19290 MOBILE, AL 36602 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $544 | — | $544 | 3.33% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | — |
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 | 2 | 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)(3 contracts, 3 carriers) | VIVA HEALTH | 160 | $1.7M |
| Dental(2 contracts, 2 carriers) | AFLAC | 129 | $164K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 105 | $16K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 192 | $146K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 192 | $146K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 192 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.