| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 | P.O. BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 11.36% |
| DEMPSEY D BELL3 | 546 BENDER RD MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $174 | $1K | 3.53% |
| ERIN COX | 390 MELISON DR PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $640 | — | $640 | 1.84% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $257 | $499 | 1.44% |
| LORA CLARIDY3 Filed as: LORA LEIGH CLARIDY | 183 CASHION AVE. WETUMPKA, AL 36092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | — | $327 | 0.94% |
| MENDY DISMUKES | 2007 BROWN HILL RD LOWNDESBORO, AL 36752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 0.85% |
| JOSIE REID | 136 HEARTSILL LN FORT DEPOSIT, AL 36032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $32 | $154 | 0.44% |
| CHANE SAMANTHA HINES3 | 300 LEE RD 669 AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $47 | $132 | 0.38% |
| NNENA ENECHUKWU | 1102 ELLISON AV TUSKEEGEE, AL 36083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.33% |
| JASON MICHAEL FORD | 801 BYRNE DR MONTGOMERY, AL 36111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.32% |
| ANTHEA TIBLIER BROCK3 | 368 WOODHAVEN LANE WETUMPKA, AL 36093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 0.29% |
| KATIE H JOHNSON3 | 1106 GRANDVIEW DR KIRKWOOD, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.26% |
| THOMAS HAYWOOD COWLES3 | 166 OLD MERIWETHER TRAIL LAPINE, AL 36046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.25% |
| AUBURN BENEFITS SOLUTIONS LLC | 300 LEE RD 669 AUBURN, AL 36832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $3 | $77 | 0.22% |
| NICOLE D BOWEN3 | 2459 WILLIAMSON RD LUVERNE, AL 36049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.17% |
| KENNETH D. COX3 | 390 MELISON DR. PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.15% |
| AMANDA W. TAYLOR Filed as: AMANDA TAYLOR | 1223 JAMESTOWN DR PRATTVILLE, AL 36067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.09% |
| TIMOTHY ALLEN WALKER | 239 MOCKINGBIRD LANE ATMORE, AL 36502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| KELLIE WELLS3 | 9576 COLUMBUS AVE. FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| HARMON DENNIS BRADSHAW INC3 | P.O. BOX 241667 MONTGOMERY, AL 36124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HARMON DENNIS BRADSHAW INC3 | P.O. BOX 241667 MONTGOMERY, AL 36124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 620 | 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) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ALABAMA | 1,135 | $5.2M |
| Dental | BLUECROSS BLUESHIELD OF ALABAMA | 1,135 | $5.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $12K |
| Prescription drug | BLUECROSS BLUESHIELD OF ALABAMA | 1,135 | $5.2M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ALABAMA | 1,135 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,135 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.