| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIRANDA WILDER3 | 10960A WULFF RD S SEMMES, AL 36575 | AFLAC | $12K | $742 | $13K | 7.76% |
| ANN HARTWELL3 | 6384 BAYFRONT PARK DRIVE, SUITE A DAPHNE, AL 36526 | AFLAC | $5K | $192 | $5K | 3.28% |
| RONALD EUGENE WALLACE3 Filed as: RONALD WALLACE | P.O. BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $3K | $213 | $4K | 2.18% |
| SAIC INC3 Filed as: SAIC | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $3K | — | $3K | 1.54% |
| CHERYL BAILEY3 | 651 HARRIETT LANE ATMORE, AL 36802 | AFLAC | $2K | $150 | $2K | 1.40% |
| KARA BLAKE CROPP3 Filed as: KARA CROPP | 3430 RIVER RD THEODORE, AL 36582 | AFLAC | $2K | — | $2K | 1.12% |
| FRED CURTICE, III3 | P.O. BOX 220 FOLEY, AL 36536 | AFLAC | $1K | $42 | $1K | 0.86% |
| VICTORIA MCVAY3 | 711 NATCHEZ TRAIL CT MOBILE, AL 36609 | AFLAC | $770 | $70 | $840 | 0.51% |
| PETE CANARELA3 | 21036A STATE HIGHWAY 181, SUITE 102 FAIRHOPE, AL 36532 | AFLAC | $696 | $8 | $704 | 0.43% |
| SUPPLEMENTAL SPECIALISTS INC3 Filed as: SUPPLEMENTAL SPECIALISTS, INC. | 25405 PERDIDO BEACH BLVD. SUITE 21-226 ORANGE BEACH, AL 36561 | AFLAC | $530 | — | $530 | 0.32% |
| CHARLES HINKLE JR3 Filed as: CHARLES HINKLE, JR. | 6416 FALCONWOOD CT. MOBILE, AL 36695 | AFLAC | $316 | — | $316 | 0.19% |
| BENJAMIN JOHNSON3 | 9526 BEAR CREEK RD STERRETT, AL 35147 | AFLAC | $208 | $72 | $280 | 0.17% |
| ERIC J PULLEN3 Filed as: ERIC PULLEN | 2337 HUFFMAN DRIVE MOBILE, AL 36693 | AFLAC | $202 | — | $202 | 0.12% |
| DENISE S BOYD3 Filed as: DENISE BOYD | 1509 GOVERNMENT ST., SUITE 100 MOBILE, AL 36604 | AFLAC | $198 | — | $198 | 0.12% |
| MASKILL ENTERPRISES INC3 Filed as: MASKILL ENTERPRISES, INC. | P.O. BOX 1702 POINT CLEAR, AL 36564 | AFLAC | $89 | $73 | $162 | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: DEBORAH WILLIS | P.O. BOX 234 ORANGE BEACH, AL 36561 | AFLAC | $150 | — | $150 | 0.09% |
| JONATHON E POINTER3 Filed as: JONATHON POINTER | 9224 THOROUGHBRED RUN FAIRHOPE, AL 36532 | AFLAC | $99 | — | $99 | 0.06% |
| ASHLEY CROOK3 | 10167 SUMMERLAKE DR MOBILE, AL 36608 | AFLAC | $95 | — | $95 | 0.06% |
| JENNIFER A CHAPPELL3 Filed as: JENNIFER CHAPPELL | 9791 BROOKLYNS WAY N SEMMES, AL 36575 | AFLAC | $94 | — | $94 | 0.06% |
| KATELYN WILSON3 | 111 DAUPHIN ST. MOBILE, AL 36602 | AFLAC | $93 | — | $93 | 0.06% |
| THOMAS BABINGTON3 | 30330 ONO NORTH LOOP W ORANGE BEACH, AL 36561 | AFLAC | $88 | — | $88 | 0.05% |
| 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% |
| TINA OGLESBY3 | 9535 BRISTOW CT. MOBILE, AL 36695 | AFLAC | $76 | — | $76 | 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% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS | 25405 PERDIDO BEACH BLVD SUITE 21-226 ORANGE BEACH, AL 36561 | AFLAC | $64 | — | $64 | 0.04% |
| EDWARD F DEES DR3 Filed as: EDWARD DEES, SR. | 207 ZANE CT SARALAND, AL 36571 | AFLAC | $58 | — | $58 | 0.04% |
| SARAH Y ZACCARO3 Filed as: SARAH ZACCARO | 1015 MONTLIMAR DR STE D5 MOBILE, AL 36609 | AFLAC | $58 | — | $58 | 0.04% |
| ALICE VICK3 | P.O. BOX 266 PINE HILL, AL 36769 | AFLAC | $52 | — | $52 | 0.03% |
| LYNN ROBBINS AGENCY & HOLDINGS LLC3 Filed as: LYNN ROBBINS AGENCY & HOLDINGS, LLC | 1120 HILLCREST RD. SUITE 2L MOBILE, AL 36695 | AFLAC | $49 | — | $49 | 0.03% |
| SHONA M HICKS3 Filed as: SHONA HICKS | 2308 HALEY COURT OPELIKA, AL 36801 | AFLAC | $46 | — | $46 | 0.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $30 | $14 | $44 | 0.03% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $41 | — | $41 | 0.03% |
| MFK & ASSOCIATES INC3 Filed as: MFK & ASSOCIATES | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $28 | $12 | $40 | 0.02% |
| NORMA SILVER3 | 340 W. DIVERSEY PKWY #920 CHICAGO, IL 60657 | AFLAC | $37 | — | $37 | 0.02% |
| NORMAN WILKINS3 | 405 COALMONT RD HELENA, AL 35080 | AFLAC | $35 | — | $35 | 0.02% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $18 | $14 | $32 | 0.02% |
| NANCY REED3 | 1254 BASCOMBE ST MOBILE, AL 36605 | AFLAC | $29 | — | $29 | 0.02% |
| SHEILA STEWART3 | 27501 PERDIDO BEACH BLVD. 410 ORANGE BEACH, AL 36561 | AFLAC | $28 | — | $28 | 0.02% |
| ANTOINETTE WILLIAMS3 | 7341 ZEIGLER BLVD, SUITE B MOBILE, AL 36608 | AFLAC | $26 | — | $26 | 0.02% |
| DAVID S JESSE3 Filed as: DAVID JESSE | 25232 CREST HAVEN ST., UNIT 1 MURRIETA, CA 92562 | AFLAC | $24 | — | $24 | 0.01% |
| DEREK R MANN3 Filed as: DEREK MANN | 2708 SUMMERFIELD PL PHENIX CITY, AL 36867 | AFLAC | $20 | — | $20 | 0.01% |
| DEREK STROUD3 | 4005 ARKANSAS AVE KENER, LA 70065 | AFLAC | $17 | — | $17 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $15 | — | $15 | 0.01% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $15 | — | $15 | 0.01% |
| LANZA & ASSOCIATES LLC3 Filed as: LANZA & ASSOCIATES, LLC | 4505 PINE TREE CIRCLE SUITE 201 VESTAVIA HILLS, AL 35243 | AFLAC | $9 | $3 | $12 | 0.01% |
| ERIN K GIUSTI3 Filed as: ERIN GIUSTI | 4828 FOLSE DR METAIRIE, LA 70006 | AFLAC | $11 | — | $11 | 0.01% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DR. HOOVER, AL 35226 | AFLAC | $11 | — | $11 | 0.01% |
| CARL JACKSON3 | 775 S WASHINGTON AVE MOBILE, AL 36603 | AFLAC | $10 | — | $10 | 0.01% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT ST SUITE 116 39 FRANKLIN, TN 37064 | AFLAC | $10 | — | $10 | 0.01% |
| GUY GALLO3 | 533 WINDBOURNE DRIVE SLIDELL, LA 70461 | AFLAC | $9 | — | $9 | 0.01% |
| SHARON HACKETT3 | 600 BEL AIR DRIVE, SUITE 234 MOBILE, AL 36606 | AFLAC | $8 | — | $8 | 0.00% |
| RONALD GILMORE3 | 8515 LANEWOOD CIRCLE LEEDS, AL 35094 | AFLAC | $8 | — | $8 | 0.00% |
| JACKIE F BURLESON3 Filed as: JACKIE BURLESON | 1124 MARTHA ALLEYN DR SARALAND, FL 36571 | AFLAC | $8 | — | $8 | 0.00% |
| ELLA OGLESBY3 | 2889 SOLLIE RD, APT 816 MOBILE, AL 36695 | AFLAC | $8 | — | $8 | 0.00% |
| MICHAEL TODD SINGLETON3 Filed as: MICHAEL STEELMAN | 4154 HWY 90 DR MOBILE, AL 36693 | AFLAC | $8 | — | $8 | 0.00% |
| BRYAN J DODGE3 Filed as: BRYAN DODGE | P.O. BOX 7433 METAIRIE, LA 70010 | AFLAC | $7 | — | $7 | 0.00% |
| TRACY ELEY3 | 2390 INDIAN RIDGE ESTATES DR. MOBILE, AL 36695 | AFLAC | $6 | — | $6 | 0.00% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 13163 BUCHTHORN CT MOBILE, AL 36608 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 10051 VETERANS PKWY #2B MIDLAND, GA 31820 | AFLAC | $2 | — | $2 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| KEITH WILLIAM BELLE3 Filed as: KEITH BELLE | 302 LA RUE FRANCE SUITE 100 LAFAYETTE, LA 70508 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN THOMPSON, JR | 343 SABAL SPRINGS CT DEBARY, FL 32713 | 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 | $12K | — | $12K | 15.00% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALISTS, INC. | 3340 PEACHTREE RD NE SUITE 1525 ATLANTA, GA 30326 | PRUDENTIAL | $14K | — | $14K | 24.65% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $232 | $232 | 0.42% |
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 | 628 | 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) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 789 | $253K |
| Vision | VISION SERVICE PLAN | 575 | $78K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 628 | $219K |
| Short-term disability | AFLAC | 305 | $163K |
| Long-term disability | PRUDENTIAL | 628 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.