| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW INC. | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | SHELTERPOINT INSURANCE | $22K | — | $22K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SHELTERPOINT INSURANCE | $11K | — | $11K | 7.00% |
| LBA SERVICE LLC3 | 414 MEADOWBROOK LN BIRMINGHAM, AL 35213 | SHELTERPOINT INSURANCE | $2K | — | $2K | 1.00% |
| HARMON DENNIS BRADSHAW INC3 | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.92% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2 | $3K | 14.18% |
| HEATHER HORN3 | 126 REED LN LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $73 | $347 | 1.41% |
| KATHRYN KENNER DECOUX3 | 2210 SPRINGWOOD DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | — | $261 | 1.06% |
| MADISON DIANE PARKER3 | 10253 TANNER WILLIAMS RD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | — | $169 | 0.69% |
| PJ SKELTON LLC3 Filed as: PJ SKELTON LIC | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $56 | $126 | 0.51% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN AND ASSOCIATES LIC | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $52 | $122 | 0.50% |
| BRENDAN ARTHRU MCKEITHEN3 | 1404 MORLEE DR E MOBILE, AL 36618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.47% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST FL 4 MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $57 | $101 | 0.41% |
| GRACIE BILLINGSLEY3 | 11600 TANNER WILLIAMS RD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $63 | $84 | 0.34% |
| DEMPSEY D BELL3 | 17204 STATE HWY 21 BRAGGS, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.32% |
| JENNIFER C CUSHMAN3 | 5038 CAMELOT DR W MOBILE, AL 36619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $32 | $53 | 0.22% |
| COMPLETE BUSINESS BENEFITS INC3 | 905 W TUSKEENA ST WETUMPKA, AL 36092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $8 | $30 | 0.12% |
| TODD BOOZER3 | 2900 CAHABA RD STE G 5 MOUNTAIN BRK, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 84 | 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) | 84 | 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 | 146 | $839K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 84 | $683K |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 84 | $683K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 84 | $62K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 84 | $87K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 84 | $62K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 84 | $683K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 84 | $683K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.