| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC Filed as: HARMON DENNIS BRADSHAW | — | ARCH INSURANCE COMPANY | $42K | $0 | $42K | 12.94% |
| LAKESHORE BENEFIT ALLIANCE LLC Filed as: LAKESHORE BENEFITS ALLIANCE | — | ARCH INSURANCE COMPANY | $19K | $0 | $19K | 5.97% |
| ACI Filed as: ACI COMMISSIONS | — | ARCH INSURANCE COMPANY | $17K | $0 | $17K | 5.10% |
| SURETY MARKETING Filed as: SURETY MARKETING SERVICES | — | ARCH INSURANCE COMPANY | $16K | $0 | $16K | 4.98% |
| LBA SERVICE LLC Filed as: LBA SERVICE | — | ARCH INSURANCE COMPANY | $3K | $0 | $3K | 0.99% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | 2 PERIMETER PARK SOUTH SUITE 450 WEST BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 9.82% |
| JOHN DOROUGH3 | 1777 FIELDSTONE LANE AUBURN, AL 36830 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 60.23% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | PO BOX 241667 MONTGOMERY, AL 36124 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.42% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $64 | $64 | 0.18% |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARCH INSURANCE COMPANY | 154 | $326K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 315 | $259K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 315 | $259K |
| Life insurance(4 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 344 | $93K |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 343 | $43K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 343 | $78K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 344 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.