| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | MARKEL INSURANCE COMPANY | $62K | — | $62K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET S BIRMINGHAM, AL 35222 | MARKEL INSURANCE COMPANY | $31K | — | $31K | 7.00% |
| NEVAEH INSURANCE SOLUTIONS3 | 5528 VALENCIA PARK BOULEVARD HILLIARD, OH 43026 | MARKEL INSURANCE COMPANY | $13K | — | $13K | 3.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | MARKEL INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $2K | $17K | 22.02% |
| KARA HUGHES PARDUE3 | 623 SOUTHERN WAY SPANISH FORT, AL 36527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 6.10% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 5.61% |
| KATELYN PAIGE MELLO3 | 1422 CREAMER ROAD WETUMPKA, AL 36093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 3.60% |
| MARGARITA MACIAS-CHARBONIER3 | 3649 LANA CIRCLE TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $322 | $2K | 2.34% |
| AMY SMITH FOX3 | 363 BELMONTE DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $73 | $2K | 2.03% |
| DEMPSEY D BELL3 | 17204 STATE HIGHWAY 21 MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.46% |
| DAVID E. FOX3 Filed as: DAVID EDWARD FOX | 363 BELMONTE DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | $567 | $942 | 1.25% |
| CHRISTOPHER EUGENE ALLEN3 | 1285 FLAT ROCK ROAD TALLASSEE, AL 36078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $619 | $806 | 1.07% |
| TODD BOOZER3 | 2900 CAHABA ROAD, STE G 5 MOUNTAIN BARK, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $641 | — | $641 | 0.85% |
| DAVID EVAN BAKER3 | 122 SUMMER LOOP DEATSVILLE, AL 36022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $315 | $502 | 0.66% |
| ROBERT ALEXANDER SNOW3 | 3990 ARBOR TRACE DRIVE, UNIT G LYNN HAVEN, FL 32444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $157 | $247 | 0.33% |
| RONALD AUSTIN WIMBERLEY3 | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $57 | $147 | 0.19% |
| KATHRYN KENNER DECOUX3 | 2210 SPRINGWOOD DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $0 | $112 | 0.15% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| ENTERPRISE GENERAL INSURANCE AGENCY3 | 4135 NORTH FRONT STREET HARRISBURG, PA 17112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 36106 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | $10K | — | $10K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | — | $3K | $3K | 5.03% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC | PO BOX 241667 MONTGOMERY, AL 36106 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | $8K | — | $8K | 19.96% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | — | $2K | $2K | 5.25% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC | PO BOX 241667 MONTGOMERY, AL 361241667 | VISION SERVICE PLAN | $3K | — | $3K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 606930001 | VISION SERVICE PLAN | -$1 | — | -$1 | -0.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 36106 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | — | $759 | $759 | 5.44% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 36106 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | $820 | — | $820 | 14.98% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | — | $265 | $265 | 4.84% |
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 | 335 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 363 | $1.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 423 | $103K |
| Vision | VISION SERVICE PLAN | 218 | $26K |
| Life insurance(2 contracts) | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 328 | $46K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 154 | $69K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 40 | $14K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 363 | $1.4M |
| Stop-loss / reinsurancereinsurance | MARKEL INSURANCE COMPANY | 364 | $444K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 363 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.