| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIRANDA WILDER3 | 10960A WULFF RD S SEMMES, AL 36575 | AFLAC | $10K | $685 | $11K | 6.97% |
| ANN HARTWELL3 | 6384 BAYFRONT PARK DRIVE, SUITE A DAPHNE, AL 36526 | AFLAC | $5K | $195 | $5K | 3.02% |
| RONALD EUGENE WALLACE3 Filed as: RONALD WALLACE | P.O. BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $3K | $195 | $3K | 2.11% |
| SAIC INC3 Filed as: SAIC | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $3K | $172 | $3K | 1.96% |
| KARA BLAKE CROPP3 Filed as: KARA CROPP | 3430 RIVER RD THEODORE, AL 36582 | AFLAC | $2K | — | $2K | 1.32% |
| FRED CURTICE, III3 | P.O. BOX 220 FOLEY, AL 36536 | AFLAC | $2K | — | $2K | 1.16% |
| CHERYL BAILEY3 | 651 HARRIETT LANE ATMORE, AL 36802 | AFLAC | $1K | $185 | $2K | 1.02% |
| PETE CANARELA3 | 21036A STATE HIGHWAY 181, SUITE 102 FAIRHOPE, AL 36532 | AFLAC | $843 | — | $843 | 0.53% |
| BENJAMIN JOHNSON3 | 9526 BEAR CREEK RD STERRETT, AL 35147 | AFLAC | $656 | — | $656 | 0.41% |
| VICTORIA MCVAY3 | 711 NATCHEZ TRAIL CT MOBILE, AL 36609 | AFLAC | $618 | $13 | $631 | 0.39% |
| SUPPLEMENTAL SPECIALISTS INC3 Filed as: SUPPLEMENTAL SPECIALISTS, INC. | 25405 PERDIDO BEACH BLVD. SUITE 21-226 ORANGE BEACH, AL 36561 | AFLAC | $541 | — | $541 | 0.34% |
| MASKILL ENTERPRISES INC3 Filed as: MASKILL ENTERPRISES, INC. | P.O. BOX 1702 POINT CLEAR, AL 36564 | AFLAC | $486 | — | $486 | 0.30% |
| CHARLES HINKLE JR3 Filed as: CHARLES HINKLE, JR. | 6416 FALCONWOOD CT. MOBILE, AL 36695 | AFLAC | $333 | — | $333 | 0.21% |
| DENISE S BOYD3 Filed as: DENISE BOYD | 1509 GOVERNMENT ST., SUITE 100 MOBILE, AL 36604 | AFLAC | $288 | — | $288 | 0.18% |
| BOZEMAN ENTERPRISES INC3 Filed as: BOZEMAN ENTERPRISES, INC. | 4 YACHT CLUB DRIVE 206 DAPHNE, AL 36526 | AFLAC | $226 | — | $226 | 0.14% |
| ERIC J PULLEN3 Filed as: ERIC PULLEN | 2337 HUFFMAN DRIVE MOBILE, AL 36693 | AFLAC | $224 | — | $224 | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: DEBORAH WILLIS | P.O. BOX 234 ORANGE BEACH, AL 36561 | AFLAC | $150 | — | $150 | 0.09% |
| SHARON BUNTYN3 | 16126 SYLVAN DR. GULFPORT, MS 39503 | AFLAC | $125 | — | $125 | 0.08% |
| JONATHON E POINTER3 Filed as: JONATHON POINTER | 9224 THOROUGHBRED RUN FAIRHOPE, AL 36532 | AFLAC | $99 | — | $99 | 0.06% |
| THOMAS BABINGTON3 | 30330 ONO NORTH LOOP W ORANGE BEACH, AL 36561 | AFLAC | $93 | — | $93 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS | 25405 PERDIDO BEACH BLVD SUITE 21-226 ORANGE BEACH, AL 36561 | AFLAC | $92 | — | $92 | 0.06% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY RD BESSEMER, AL 35022 | AFLAC | $86 | — | $86 | 0.05% |
| KIM GROCHOLL3 | 716 SEA PALM LN SATELLITE BEACH, FL 32937 | AFLAC | $84 | — | $84 | 0.05% |
| ALODIA ARNOLD3 | P.O. BOX 7526 SPANISH FORT, AL 36577 | AFLAC | $53 | $30 | $83 | 0.05% |
| KELLY ALDACOSTA3 | 15370 PRIVATE ROAD 368 MOBILE, AL 36608 | AFLAC | $43 | $38 | $81 | 0.05% |
| MFK & ASSOCIATES INC3 Filed as: MFK & ASSOCIATES | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $75 | — | $75 | 0.05% |
| JENNIFER A CHAPPELL3 Filed as: JENNIFER CHAPPELL | 9791 BROOKLYNS WAY N SEMMES, AL 36575 | AFLAC | $74 | — | $74 | 0.05% |
| ROBERT WALLACE3 | 40708 COUNT RD 39 BAY MINETTE, AL 36507 | AFLAC | $70 | — | $70 | 0.04% |
| DAVID JOHNSON3 | 7526 N LAKE DRIVE SPANISH FORT, AL 36527 | AFLAC | $68 | — | $68 | 0.04% |
| EDWARD F DEES DR3 Filed as: EDWARD DEES, SR. | 207 ZANE CT SARALAND, AL 36571 | AFLAC | $58 | — | $58 | 0.04% |
| ALICE VICK3 | P.O. BOX 266 PINE HILL, AL 36769 | AFLAC | $52 | — | $52 | 0.03% |
| YVONNE G ROBINSON3 Filed as: YVONNE ROBINSON | 540 SCR 88 MIZE, MS 39116 | AFLAC | $50 | — | $50 | 0.03% |
| SHONA M HICKS3 Filed as: SHONA HICKS | 2308 HALEY COURT OPELIKA, AL 36801 | AFLAC | $46 | — | $46 | 0.03% |
| SARAH Y ZACCARO3 Filed as: SARAH ZACCARO | 1015 MONTLIMAR DR STE D5 MOBILE, AL 36609 | AFLAC | $42 | — | $42 | 0.03% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $38 | — | $38 | 0.02% |
| NORMA SILVER3 | 340 W. DIVERSEY PKWY #920 CHICAGO, IL 60657 | AFLAC | $37 | — | $37 | 0.02% |
| LYNN ROBBINS AGENCY & HOLDINGS LLC3 Filed as: LYNN ROBBINS AGENCY & HOLDINGS, LLC | 1120 HILLCREST RD. SUITE 2L MOBILE, AL 36695 | AFLAC | $35 | — | $35 | 0.02% |
| NORMAN WILKINS3 | 405 COALMONT RD HELENA, AL 35080 | AFLAC | $35 | — | $35 | 0.02% |
| LESLIE H SILTMAN3 Filed as: LESLIE SILTMAN | 207 MOORE DRIVE BATESVILLE, MS 38606 | AFLAC | $31 | — | $31 | 0.02% |
| NANCY REED3 | 1254 BASCOMBE ST. MOBILE, AL 36605 | AFLAC | $29 | — | $29 | 0.02% |
| DEREK STROUD3 | 4005 ARKANSAS AVE KENER, LA 70065 | AFLAC | $6 | $20 | $26 | 0.02% |
| DAVID S JESSE3 Filed as: DAVID JESSE | 25232 CREST HAVEN ST., UNIT 1 MURRIETA, CA 92562 | AFLAC | $24 | — | $24 | 0.02% |
| JOANN COAKLEY3 | 703 BRASSFIELD RD. LOT 2 PONTOTOC, MS 38863 | AFLAC | $22 | — | $22 | 0.01% |
| SHARON HACKETT3 | 600 BEL AIR DRIVE, SUITE 234 MOBILE, AL 36606 | AFLAC | $20 | — | $20 | 0.01% |
| ERIN K GIUSTI3 Filed as: ERIN GIUSTI | 4828 FOLSE DR METAIRIE, LA 70006 | AFLAC | $4 | $14 | $18 | 0.01% |
| DEREK R MANN3 Filed as: DEREK MANN | 2708 SUMMERFIELD PL PHENIX CITY, AL 36867 | AFLAC | $18 | — | $18 | 0.01% |
| PR INSURANCE LLC3 | P.O. BOX 8516 DOTHAN, AL 36304 | AFLAC | $18 | — | $18 | 0.01% |
| LANZA & ASSOCIATES LLC3 Filed as: LANZA & ASSOCIATES, LLC | 4505 PINE TREE CIRCLE SUITE 201 VESTAVIA HILLS, AL 35243 | AFLAC | $17 | — | $17 | 0.01% |
| SANDRA K JACKSON3 Filed as: SANDRA JACKSON | 3102 SUMMIT RD GOLDSVORO, NC 27354 | AFLAC | $16 | — | $16 | 0.01% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $15 | — | $15 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $15 | — | $15 | 0.01% |
| SHEILA STEWART3 | 27501 PERDIDO BEACH BLVD. 410 ORANGE BEACH, AL 36561 | AFLAC | $13 | — | $13 | 0.01% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DR. HOOVER, AL 35226 | AFLAC | $11 | — | $11 | 0.01% |
| TRACY ELEY3 | 2390 INDIAN RIDGE ESTATES DR. MOBILE, AL 36695 | AFLAC | $10 | — | $10 | 0.01% |
| BRYAN J DODGE3 Filed as: BRYAN DODGE | P.O. BOX 7433 METAIRIE, LA 70010 | AFLAC | $3 | $7 | $10 | 0.01% |
| CHARLES HARTHUN3 | 105 CASSADY PLACE CROSSVILLE, TN 38555 | AFLAC | $9 | — | $9 | 0.01% |
| RONALD GILMORE3 | 8515 LANEWOOD CIRCLE LEEDS, AL 35094 | AFLAC | $9 | — | $9 | 0.01% |
| JACKIE F BURLESON3 Filed as: JACKIE BURLESON | 1124 MARTHA ALLEYN DR SARALAND, FL 36571 | AFLAC | $8 | — | $8 | 0.01% |
| ELLA OGLESBY3 | 2889 SOLLIE RD, APT 816 MOBILE, AL 36695 | AFLAC | $8 | — | $8 | 0.01% |
| GUY GALLO3 | 533 WINDBOURNE DRIVE SLIDELL, LA 70461 | AFLAC | $3 | $4 | $7 | 0.00% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR. KNOXVILLE, TN 37922 | AFLAC | $7 | — | $7 | 0.00% |
| CARL JACKSON3 | 775 S WASHINGTON AVE MOBILE, AL 36603 | AFLAC | $7 | — | $7 | 0.00% |
| KEITH WILLIAM BELLE3 Filed as: KEITH BELLE | 302 LA RUE FRANCE SUITE 100 LAFAYETTE, LA 70508 | AFLAC | — | $7 | $7 | 0.00% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 13163 BUCHTHORN CT MOBILE, AL 36608 | AFLAC | $6 | — | $6 | 0.00% |
| BRIAN ANDREWS3 | 5728 TAMARACK DRIVE PACE, FL 32571 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIAM A BRIGGS3 Filed as: WILLIAM BRIGGS | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $4 | — | $4 | 0.00% |
| LISA TAYLOR3 | 12904 OAK CT WILMER, AL 36587 | AFLAC | $3 | — | $3 | 0.00% |
| ANTOINETTE WILLIAMS3 | 7341 ZEIGLER BLVD, SUITE B MOBILE, AL 36608 | AFLAC | $3 | — | $3 | 0.00% |
| GRADY STRACHAN, JR.3 | 6740 DAVIDSON ST. APT 354 THE COLONY, TX 75056 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL J THRASHER3 Filed as: MICHAEL THRASHER | 19723 DESNA DR. PORTER, TX 77365 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN JONES JR3 Filed as: JOHN JONES, JR. | 9499 THOROUGHBRED RUN FAIRHOPE, AL 36532 | AFLAC | $2 | — | $2 | 0.00% |
| RONNIE LEE JANES JR3 Filed as: RONNIE JANES, JR. | 10300 LINN STATION RD, SUITE 225 LOUISVILLE, KY 40223 | AFLAC | $1 | — | $1 | 0.00% |
| JEANNE BAGGETT3 | 836 MYSTIC PKWY SPRING BRANCH, TX 78070 | AFLAC | $1 | — | $1 | 0.00% |
| RANDOLPH GETZ3 | 6508 INNISBROOK DRIVE PROSPECT, KY 40059 | AFLAC | $1 | — | $1 | 0.00% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALISTS | 3340 PEACHTREE RD. NE. SUITE 1690 ATLANTA, GA 303261012 | VISION SERVICE PLAN | $9K | — | $9K | 15.00% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALISTS, INC. | 3340 PEACHTREE ROAD NE, SUITE 1690 ATLANTA, GA 30326 | PRUDENTIAL | $10K | — | $10K | 20.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | — | $211 | $211 | 0.40% |
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 | 588 | 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) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 407 | $62K |
| Life insurance | PRUDENTIAL | 588 | $52K |
| Short-term disability | AFLAC | 257 | $160K |
| Long-term disability | PRUDENTIAL | 588 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.