| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET S BIRMINGHAM, AL 35222 | AMFIRST | $30K | — | $30K | 8.00% |
| JOHN DOROUGH3 | 701 CYPRUS COVE DRIVE AUBURN, AL 36830 | AMFIRST | $24K | — | $24K | 6.51% |
| ROBERT TROTT3 | HARMON DENNIS BRADSHAW PO BOX 241667 MONTGOMERY, AL 361241667 | AMFIRST | $24K | — | $24K | 6.51% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LIMTED D/B/A MWG BRKER | PO BOX 14067 JACKSON, MS 392364067 | AMFIRST | $18K | — | $18K | 5.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICES, LLC | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | AMFIRST | $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 | — | $15K | 10.63% |
| DAVID TYLER BURRUS3 Filed as: DAVID MCDANIEL | 2440 DALTON DR PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $8K | $9K | 6.51% |
| HEATHER HORN3 | 126 REED LN LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.11% |
| KARA HUGHES PARDUE3 | 3769 NORTH WOODRIDGE RD BIRMINGHAM, AK 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $911 | $4K | 2.55% |
| 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 | 1.40% |
| MST INSURANCE SOLUTIONS, INC.3 | 212241 S WESTERN AVE TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.15% |
| DARRYL HARDAMON3 | 2123 PENTLAND DRIVE BIRMINGHAM, AL 35235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | $957 | $1K | 0.87% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $557 | — | $557 | 0.39% |
| RICKEAL DAVIS3 | 216 CROWNE RESERVE DR HOOVER, AL 35244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | — | $354 | 0.25% |
| DEMPSEY D BELL3 | 1204 STATE HIGHWAY 21 MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | — | $333 | 0.23% |
| DAVID TYLER BURRUS3 | 254 STRATHAVEN LANE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $117 | $316 | 0.22% |
| DENNA J FISCHER3 | 8148 CARRINGTON DR TRUSSVILLE, AL 35173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $205 | $315 | 0.22% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.08% |
| KRISTINA TREZISE3 | 2019 SHELBY FARMS BND ALABASTER, AL 35007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.06% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.06% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.05% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN & ASSOCIATES LLC | 344 KARIS DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.05% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.04% |
| NICOLE D BOWEN3 | 2459 WILLIAMSON RD LUVERNE, AL 36049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| EVAN DAY3 | 545 FIELDSTONE DRIVE HELENA, AL 35080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $16K | $4K | $20K | 20.75% |
| GIS BENEFITS INC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 8.19% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.19% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 361241667 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 7.92% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS | 21241 SOUTH WESTERN AVE, STE 200 TORRANCE, CA 90501 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $707 | — | $707 | 0.79% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | 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 | 229 | $1.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 229 | $1.0M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 160 | $90K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 153 | $97K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 153 | $97K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 153 | $97K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 229 | $948K |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 229 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.