| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW INC. | 1775 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $25K | — | $25K | 11.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| LBA SERVICE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.02% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.01% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $971 | $971 | 5.74% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $486 | $486 | 2.87% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $938 | $938 | 5.67% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $469 | $469 | 2.84% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $674 | $674 | 5.65% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $337 | $337 | 2.83% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $719 | $719 | 6.20% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $359 | $359 | 3.09% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $634 | $634 | 5.96% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $317 | $317 | 2.98% |
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 | 116 | 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) | 116 | 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 | 207 | $1.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 116 | $784K |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 116 | $784K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 52 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $12K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 116 | $784K |
| Other(5 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 116 | $840K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.