| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH BRANCH3 | FINANCIAL SERVICES AND INSURANCE 2101 EXECUTIVE PARK DR STE 102 OPELIKA, AL 368016041 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 12.71% |
| THE HORTON GROUP3 Filed as: MEGHAN E. HORTON BOWEN | 500 WEBSTER RD LOT 365 AUBURN, AL 36832 | AFLAC | $1K | $109 | $1K | 7.90% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DRIVE OPELIKA, AL 36801 | AFLAC | $266 | $18 | $284 | 1.88% |
| KATLIN E LEE3 Filed as: KATLIN E. LEE | P.O. BOX 93 HAZEL GREEN, AL 35750 | AFLAC | $186 | — | $186 | 1.23% |
| JEFFREY GASTON COPELAND3 | 100 HARTSFIELD CENTER PKWY STE 500 ATLANTA, GA 30354 | AFLAC | $94 | $27 | $121 | 0.80% |
| KATLIN E LEE3 Filed as: KATLIN E. LEE | P.O. BOX 154 LAFAYETTE, AL 36862 | AFLAC | $114 | — | $114 | 0.76% |
| KATLIN E LEE3 Filed as: KATLIN BAUGH | P.O. BOX 93 HAZEL GREEN, AL 35750 | AFLAC | $88 | — | $88 | 0.58% |
| KATHY B MOBLEY3 Filed as: KATHY B. MOBLEY | 173 WAVERLY CIR WAVERLY HALL, GA 31831 | AFLAC | $71 | — | $71 | 0.47% |
| JENNIFER LILES3 | 1475 LEE ROAD 166 OPELIKA, AL 36804 | AFLAC | $61 | — | $61 | 0.40% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $34 | — | $34 | 0.23% |
| BRENT LEE EDENFIELD3 | 9249 GA HWY 315 CATAULA, GA 31804 | AFLAC | $28 | — | $28 | 0.19% |
| ANDY B GLENN II3 Filed as: ANDY B. GLENN II | 100 HARTSFIELD CENTER PKWY STE 500 ATLANTA, GA 31804 | AFLAC | $8 | — | $8 | 0.05% |
| ANDY B GLENN II3 Filed as: ANDY B. GLENN II | 50 HURT PLZ SE, STE 1630 ATLANTA, GA 30303 | AFLAC | $4 | $4 | $8 | 0.05% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $3 | — | $3 | 0.02% |
| STAN A SHERLIN3 Filed as: STAN A. SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $3 | — | $3 | 0.02% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY E BIRMINGHAM, AL 35244 | VISION SERVICE PLAN | $1K | — | $1K | 9.99% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 223 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 223 | $1.1M |
| Vision | VISION SERVICE PLAN | 114 | $12K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12 | $55K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12 | $55K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $40K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 223 | $1.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 223 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.