| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC | 21241 S WESTERN AVE SUITE 200 TORRANCE, CA 90501 | AMFIRST | $49K | — | $49K | 13.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET S BIRMINGHAM, AL 35222 | AMFIRST | $30K | — | $30K | 8.00% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LIMTED D/B/A MWG BRKER | PO BOX 14067 JACKSON, MS 392364067 | AMFIRST | $19K | — | $19K | 5.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICES, LLC | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | AMFIRST | $4K | — | $4K | 1.00% |
| MST INSURANCE SOLUTIONS, INC.3 | 212241 S WESTERN AVE TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $691 | $21K | 13.30% |
| DENNIS E TRAYWICK3 | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $8K | 4.83% |
| HEATHER HORN3 | 126 REED LN LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 2.38% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.97% |
| ANGELA J SWEERS3 | 183 BRANDON WOODS DR SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $95 | $3K | 1.82% |
| INSPIRED INC3 | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $625 | $3K | 1.56% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $526 | $2K | 1.22% |
| DAVID TYLER BURRUS3 | 254 STRATHAVEN LANE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $746 | $1K | $2K | 1.13% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIAT GROWTH INSURANCE SERVICES L | DBA ALLIANCE INSURANCE GROUP MONTGOMERY, AA 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.12% |
| DAVID TYLER BURRUS3 Filed as: DAVID MCDANIEL | 2440 DALTON DR PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | — | $320 | 0.20% |
| KARA HUGHES PARDUE3 | 3769 NORTH WOODRIDGE RD BIRMINGHAM, AK 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $23 | $312 | 0.19% |
| DEMPSEY D BELL3 | 1204 STATE HIGHWAY 21 MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.16% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.07% |
| DENNA J FISCHER3 | 8148 CARRINGTON DR TRUSSVILLE, AL 35173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $2 | $60 | 0.04% |
| KRISTINA TREZISE3 | 2019 SHELBY FARMS BND ALABASTER, AL 35007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.04% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.04% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN & ASSOCIATES LLC | 344 KARIS DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.04% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.03% |
| DARRYL HARDAMON3 | 2123 PENTLAND DRIVE BIRMINGHAM, AL 35235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC | 21241 S WESTERN AVE SUITE 200 TORRANCE, CA 90501 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $24K | $24K | 19.98% |
| GIS BENEFITS INC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 4.79% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $24 | $24 | 0.02% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS | 21241 S WESTERN AVE SUITE 200 TORRANCE, CA 90501 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 245 | $1.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 268 | $1.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 268 | $84K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 239 | $119K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 239 | $119K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 239 | $119K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 245 | $1.2M |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 245 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.