| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | MARKEL INSURANCE COMPANY | $36K | $0 | $36K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET S BIRMINGHAM, AL 35222 | MARKEL INSURANCE COMPANY | $18K | $0 | $18K | 7.00% |
| NEVAEH INSURANCE SOLUTIONS3 | 5528 VALENCIA PARK BLVD HILLIARD, OH 43026 | MARKEL INSURANCE COMPANY | $8K | $0 | $8K | 3.00% |
| LBA SERVICE LLC3 | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | MARKEL INSURANCE COMPANY | $3K | $0 | $3K | 1.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | 2 PERIMETER PARK SOUTH SUITE 450 WEST BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | EQUITABLE FINANICAL LIFE | $906 | $0 | $906 | 24.35% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANICAL LIFE | $0 | $201 | $201 | 5.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $70K |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 159 | $539K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 390 | $79K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 390 | $79K |
| Life insurance | EQUITABLE FINANICAL LIFE | 198 | $4K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 159 | $539K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD | 264 | $800K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.