| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VICTORIA MCVAY3 | 711 NATCHEZ TRAIL CT MOBILE, AL 36609 | AFLAC | $13K | $467 | $13K | 6.90% |
| MIRANDA WILDER3 | 10960A WULFF RD S SEMMES, AL 36575 | AFLAC | $6K | $454 | $7K | 3.44% |
| ANN HARTWELL3 | P.O. BOX 247 DAPHNE, AL 36526 | AFLAC | $5K | $186 | $5K | 2.53% |
| SARAH Y ZACCARO3 | 1015 MONTLIMAR DR STE D5 MOBILE, AL 36609 | AFLAC | $3K | $152 | $3K | 1.57% |
| BOZEMAN ENTERPRISES INC3 | 9052 BROOKSIDE LN DAPHNE, AL 36526 | AFLAC | $2K | $95 | $3K | 1.34% |
| BOZEMAN ENTERPRISES INC3 Filed as: BOZEMAN ENTERPRISES, INC | 4 YACHT CLUB DR APT 206 DAPHNE, AL 36526 | AFLAC | $1K | — | $1K | 0.70% |
| RONALD EUGENE WALLACE3 | P.O. BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $1K | — | $1K | 0.67% |
| KARA BLAKE CROPP3 | 3430 RIVER RD THEODORE, AL 36582 | AFLAC | $1K | — | $1K | 0.59% |
| SAIC INC3 Filed as: SAIC | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $873 | — | $873 | 0.46% |
| FRED CURTICE, III3 | P.O. BOX 220 FOLEY, AL 36536 | AFLAC | $751 | — | $751 | 0.39% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARK DRIVE STE 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $719 | — | $719 | 0.38% |
| PETE CANARELA3 | 21036A STATE HIGHWAY 181 SUITE 102 FAIRHOPE, AL 36532 | AFLAC | $592 | $16 | $608 | 0.32% |
| JOHN JONES JR3 Filed as: JOHN V JONES JR. | 9499 THOROUGHBRED RUN FAIRHOPE, AL 36532 | AFLAC | $412 | $73 | $485 | 0.25% |
| ASHLEY CROOK3 | 10167 SUMMER LAKE DR MOBILE, AL 36608 | AFLAC | $376 | $64 | $440 | 0.23% |
| ASHLEY CROOK3 Filed as: ASHLEY L CROOK | 111 DAUPHINE ST MOBILE, AL 36602 | AFLAC | $279 | — | $279 | 0.15% |
| SUPPLEMENTAL SPECIALISTS INC3 | P.O. BOX 234 ORANGE BEACH, AL 36561 | AFLAC | $259 | — | $259 | 0.14% |
| REGINALD JACKSON3 | 10009 PEYTON DR N MOBILE, AL 36695 | AFLAC | $184 | $4 | $188 | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: DEBORAH C WILLIS | P.O. BOX 234 ORANGE BEACH, AL 36561 | AFLAC | $167 | — | $167 | 0.09% |
| TRACY ELEY3 | 2390 INDIAN RIDGE ESTATES DR MOBILE, AL 36695 | AFLAC | $159 | — | $159 | 0.08% |
| CHARLES HINKLE JR3 | 6416 FALCONWOOD CT MOBILE, AL 36695 | AFLAC | $152 | — | $152 | 0.08% |
| SANDI S LANZA3 | 224 CAHABA RIVER PARC BIRMINGHAM, AL 35243 | AFLAC | $145 | — | $145 | 0.08% |
| ERIC J PULLEN3 | 2337 HUFFMAN DRIVE MOBILE, AL 36693 | AFLAC | $143 | — | $143 | 0.08% |
| JENNIFER A CHAPPELL3 | 9791 BROOKLYNS WAY N SEMMES, AL 36575 | AFLAC | $137 | — | $137 | 0.07% |
| SANDRA K JACKSON3 | 3619 ERIC DR SEMMES, AL 36575 | AFLAC | $129 | — | $129 | 0.07% |
| JENNIFER A CHAPPELL3 | 8225 BLUE RIDGE PL SEMMES, AL 36575 | AFLAC | $115 | — | $115 | 0.06% |
| GEORGIANA WEBSTER3 | 4559 BROOKMOOR DR MOBILE, AL 36618 | AFLAC | $99 | — | $99 | 0.05% |
| SUPPLEMENTAL SPECIALISTS INC3 Filed as: SUPPLEMENTAL SPECIALISTS, INC. | 25405 PERDIDO BEACH BLVD. STE 21-226 ORANGE BEACH, AL 36561 | AFLAC | $97 | — | $97 | 0.05% |
| DENISE S BOYD3 | 1509 GOVERNMENT ST STE 100 MOBILE, AL 36604 | AFLAC | $90 | — | $90 | 0.05% |
| JONATHON E POINTER3 | 9224 THROUGHBRED RUN FAIRHOPE, AL 36532 | AFLAC | $90 | — | $90 | 0.05% |
| CHERYL L BAILEY3 | 651 HARRIETT LANE ATMORE, AL 36502 | AFLAC | $86 | — | $86 | 0.05% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $75 | — | $75 | 0.04% |
| LYNN ROBBINS AGENCY & HOLDINGS LLC3 | 1120 HILLCREST RD STE 2L MOBILE, AL 36695 | AFLAC | $67 | — | $67 | 0.04% |
| BENJAMIN D JOHNSON3 | 9526 BEAR CREEK RD STERRETT, AL 35147 | AFLAC | $63 | — | $63 | 0.03% |
| DAVID A JOHNSON3 | 7526 N LAKE DR SPANISH FORT, AL 36527 | AFLAC | $63 | — | $63 | 0.03% |
| TINA C OGLESBY3 | 9535 BRISTOW CT MOBILE, AL 36695 | AFLAC | $60 | — | $60 | 0.03% |
| MASKILL ENTERPRISES INC3 | P.O. BOX 1702 POINT CLEAR, AL 36564 | AFLAC | $54 | — | $54 | 0.03% |
| EDWARD F DEES DR3 | 207 ZANE CT SARALAND, AL 36571 | AFLAC | $53 | — | $53 | 0.03% |
| JAMES H KING3 Filed as: JAMES ANTHONY DODD | 120 TWIN OAKS DR MADISON, MS 39110 | AFLAC | $35 | $16 | $51 | 0.03% |
| ANTIONETTE M WILLIAMS3 | 7341 ZIEGLER BLVD STE B MOBILE, AL 36608 | AFLAC | $50 | — | $50 | 0.03% |
| LYNN HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $48 | — | $48 | 0.03% |
| CHRISTOPHER W WATSON3 | 1824 LONG MEADOW RD MOBILE, AL 66609 | AFLAC | $43 | — | $43 | 0.02% |
| KAREN L BURGESS3 | 1968 EASTERN VALLEY RD BESSEMER, AL 35022 | AFLAC | $43 | — | $43 | 0.02% |
| SHONA M HICKS3 | 2308 HALEY CT OPELIKA, AL 36801 | AFLAC | $42 | — | $42 | 0.02% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $42 | — | $42 | 0.02% |
| THOMAS W BABINGTON3 | 30330 ONO NORTH LOOP W ORANGE BEACH, AL 36561 | AFLAC | $39 | — | $39 | 0.02% |
| SANFORD GILES3 | 340 W DIVERESY 920 CHICAGO, IL 60657 | AFLAC | $37 | — | $37 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS | 25405 PERDIDIO BEACH BLVD STE 21-226 ORANGE BEACH, AL 36561 | AFLAC | $35 | — | $35 | 0.02% |
| ALLISON ELIZABET SMITH3 | 7121 OAK COVE DR BILOXI, MS 39532 | AFLAC | $35 | — | $35 | 0.02% |
| NORMAN WILKINS3 Filed as: NORMAN C WILKINS | 405 COALMONT RD HELENA, AL 35080 | AFLAC | $34 | — | $34 | 0.02% |
| ROBERT WALLACE3 Filed as: ROBERT G WALLACE | 40708 COUNTY ROAD 39 BAY MINETTE, AL 36507 | AFLAC | $30 | — | $30 | 0.02% |
| BRIAN E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $28 | — | $28 | 0.01% |
| DAVID S JESSE3 | 2232 CREST HAVEN ST UNIT 1 MURRIETA, CA 92562 | AFLAC | $22 | — | $22 | 0.01% |
| RENESHIA S HOBSON3 | 100 WINTERBURY DR MADISON, MS 39110 | AFLAC | $19 | $3 | $22 | 0.01% |
| ALICE E NOBLE3 Filed as: ALICE N VICK | P.O. BOX 84 LILLIAN, AL 36549 | AFLAC | $20 | — | $20 | 0.01% |
| SHANE M OWEN3 Filed as: SHANE HOHLER | 13163 BUCKTHORN CT MOBILE, AL 36608 | AFLAC | $20 | — | $20 | 0.01% |
| ALICE E NOBLE3 Filed as: ALICE N VICK | 5812 DANDELION LN PENSACOLA, FL 32526 | AFLAC | $17 | — | $17 | 0.01% |
| DEREK R MANN3 | 111 LEE RD 802 UNIT 122 VALLEY, AL 36854 | AFLAC | $15 | — | $15 | 0.01% |
| APRIL RICHEY3 | 110 W COMMERCE ST STE A GREENVILLE, AL 36037 | AFLAC | $15 | — | $15 | 0.01% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $11 | — | $11 | 0.01% |
| CHERI E ROBES3 | 9238 MCFARLAND WAY MOBILE, AL 36695 | AFLAC | $10 | — | $10 | 0.01% |
| CHARLES HINKLE JR3 Filed as: CHARLES W. HINKLE JR | 6416 FALCONWOOD CT MOBILE, AL 36695 | AFLAC | $9 | — | $9 | 0.00% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $9 | — | $9 | 0.00% |
| SHEILA N STEWART3 | 27501 PERDIDO BEACH BLVD 410 ORANGE BEACH, AL 36561 | AFLAC | $9 | — | $9 | 0.00% |
| MICHAEL TODD SINGLETON3 Filed as: MICHAEL STEELMAN | 4154 HWY 90 DR MOBILE, AL 36693 | AFLAC | $8 | — | $8 | 0.00% |
| RONALD TERRY GILMORE3 | 8515 LANEWOOD CIR LEEDS, AL 35094 | AFLAC | $8 | — | $8 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $8 | — | $8 | 0.00% |
| CURTIS W OGLESBY3 | 3615 POTOMAC RIDGE COURT EAST MOBILE, AL 36695 | AFLAC | $8 | — | $8 | 0.00% |
| JAMES MILLER3 Filed as: JAMES L. MILLER | P.O. BOX 9671 MOBILE, AL 36691 | AFLAC | $8 | — | $8 | 0.00% |
| JACKIE F BURLESON3 | 1124 MARTHA ALLEYN DR SARALAND, AL 36571 | AFLAC | $8 | — | $8 | 0.00% |
| SHELIA N STEWART3 | P.O. BOX 331 PORT SALEVNO, FL 34992 | AFLAC | $7 | — | $7 | 0.00% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $7 | — | $7 | 0.00% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES INC. | 300 CAHABA PARK CIRCLE STE 133 BIRMINGHAM, AL 35242 | AFLAC | $7 | — | $7 | 0.00% |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTOGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.00% |
| ASHLEY M THOMAS3 Filed as: ASHLEY M. THOMAS | 152 SUNBURST CIR BIRMINGHAM, AL 35215 | AFLAC | $4 | — | $4 | 0.00% |
| AON CONSULTING INC3 Filed as: C HEWITT INC. | 308 LAKE VILLAGE DR MADISON, AL 39110 | AFLAC | $1 | $3 | $4 | 0.00% |
| BIG RED BENEFITS, LLC3 Filed as: BIG RED BENEFITS LLC | 312 SCHILLINGER RD S STE T MOBILE, AL 36608 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN PAUL THOMPSON II3 Filed as: JOHN M THOMPSON JR | 236 HAVERSHAM RD DELTONA, FL 32725 | AFLAC | $2 | — | $2 | 0.00% |
| ASHLEY M THOMAS3 | 576 POLO WAY CHELSEA, AL 35043 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CRESCENT BLVD STE 201 RIDGELAND, MS 39157 | AFLAC | $1 | — | $1 | 0.00% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 352433370 | VISION SERVICE PLAN | $5K | — | $5K | 4.01% |
| TIMOTHY J REED3 Filed as: TIMOTHY HUDNALL | 4750 AIRPORT BLVD MOBILE, AL 366083134 | VISION SERVICE PLAN | $5K | — | $5K | 4.01% |
| JOSEPH CLAY WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 365279087 | VISION SERVICE PLAN | $1K | — | $1K | 1.00% |
| BRADFORD DILLION3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 352433370 | VISION SERVICE PLAN | $1K | — | $1K | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 7.35% |
| TIMOTHY J REED3 Filed as: TIMOTHY HUDNALL | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $790 | — | $790 | 2.00% |
| JENNIFER MOORE ROBERTS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $790 | — | $790 | 2.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $395 | — | $395 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $395 | — | $395 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $611 | $2K | 12.05% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $393 | — | $393 | 2.15% |
| JENNIFER MOORE ROBERTS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $393 | — | $393 | 2.15% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIRCLE SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $183 | — | $183 | 1.00% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $183 | — | $183 | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $515 | $213 | $728 | 12.24% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129 | — | $129 | 2.17% |
| JENNIFER MOORE ROBERTS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129 | — | $129 | 2.17% |
| BRADFORD DILLION3 Filed as: BRADFORD S. DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60 | — | $60 | 1.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C. WALDEN | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60 | — | $60 | 1.01% |
| ABLE BENEFIT SOLUTIONS3 | P.O. BOX 11407 BIRMINGHAM, AL 352462142 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $94 | $81 | $175 | 7.42% |
| TIMOTHY A. HUDNALL3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47 | — | $47 | 1.99% |
| JENNIFER MOORE ROBERTS3 | 4750 AIRPORT BLVD MOBILE, AL 36608 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47 | — | $47 | 1.99% |
| JOSPEH C. WALDEN3 | 33485 ALDER CIR SPANISH FORT, AL 36527 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24 | — | $24 | 1.02% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24 | — | $24 | 1.02% |
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 | 1,143 | 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) | 1,143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,946 | $4.4M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,946 | $4.4M |
| Vision | VISION SERVICE PLAN | 1,044 | $130K |
| Life insurance(4 contracts, 2 carriers) | AFLAC | 634 | $251K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 634 | $209K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,946 | $4.4M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,946 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,946 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.