| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | MEDMUTUAL PROTECT GAP | $33K | — | $33K | 13.93% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | STREET S BIRMINGHAM, AL 35222 | MEDMUTUAL PROTECT GAP | $18K | — | $18K | 7.46% |
| LBA SERVICE LLC3 | 700 37TH ST BIRMINGHAM, AL 12046 | MEDMUTUAL PROTECT GAP | $4K | — | $4K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 276123382 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 9.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 744831 ATLANTA, GA 303744831 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $10K | 15.22% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH ST WEST POINT, GA 31833 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.34% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 431 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 519 | $142K |
| Vision | VISION SERVICE PLAN | 148 | $31K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $63K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 431 | $1.7M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 431 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.