| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM DAHLIN | 5454 ROARING BRANCH RD COLUMBUS, GA 31904 | AFLAC | $1K | — | $1K | 4.70% |
| FRANK GRIFFIN JR3 | 8601 GARRETT RD MIDLAND, GA 31820 | AFLAC | $834 | — | $834 | 2.97% |
| JOHN E CARTER III3 Filed as: JOHN CARTER III | 313 TROUP DR FORTSON, GA 31808 | AFLAC | $338 | — | $338 | 1.20% |
| CHRISTOPHER J BAYER3 Filed as: CHRISTOPHER BAYER | 127 N CHERRY ST GALESBURG, IL 61401 | AFLAC | $185 | — | $185 | 0.66% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM AMOS III | 6801 RIVER ROAD BLDG 2 STE 205 COLUMBUS, GA 31904 | AFLAC | $158 | — | $158 | 0.56% |
| STEVEN L. SWANSON3 Filed as: STEVEN L SWANSON | 1523 47TH AVE STE 3 MOLINE, IL 61265 | AFLAC | $109 | — | $109 | 0.39% |
| TRACI L NATOLI3 | 1145 CHENOA LN SW ORONOC, MN 55960 | AFLAC | $71 | — | $71 | 0.25% |
| TINA M LASSUY3 | 3021 45TH ST MOLINE, IL 61265 | AFLAC | $70 | — | $70 | 0.25% |
| GREGORY SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $65 | — | $65 | 0.23% |
| OCTAVIO NOE CRUZ JR3 | 977 BARKLEY CIRCLE NORMAN, OK 73071 | AFLAC | $42 | — | $42 | 0.15% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $20 | — | $20 | 0.07% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $17 | — | $17 | 0.06% |
| DARREN R WARREN3 | 13504 N 2320 ROAD GOTEBO, OK 73041 | AFLAC | $15 | — | $15 | 0.05% |
| CATHY J OLIVER3 Filed as: CATHY OLIVER | 201 W BURNSVILLE PKWY STE 116 BURNSVILLE, MN 55337 | AFLAC | $13 | — | $13 | 0.05% |
| LARRY D DENNY3 Filed as: LARRY DENNY | P O BOX 306 WETUMKA, OK 74883 | AFLAC | $12 | — | $12 | 0.04% |
| PENNY J SPURLIN3 Filed as: PENNY SPURLIN | P O BOX 88 TUTTLE, OK 73089 | AFLAC | $9 | — | $9 | 0.03% |
| LISA B NEWPORT3 Filed as: LISA NEWPORT | 11554 ANDOVER COURT MIDWEST CITY, OK 73130 | AFLAC | $5 | — | $5 | 0.02% |
| DARIN D PAVLISH3 Filed as: DARIN PAVLISH | 7760 FRANCE AVE SOUTH EDINA, MN 55435 | AFLAC | $2 | — | $2 | 0.01% |
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 | 48 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 48 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 0 | $28K |
| Other | AFLAC | 0 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
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.