| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL ROAD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $5K | $28K | 27.09% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL ROAD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $14K | 15.64% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL ROAD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $7K | 10.27% |
| HARMON DENNIS BRADSHAW INC3 | 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 11.30% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL ROAD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $942 | $3K | 20.68% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL ROAD MONTGOMERY, AL 36106 | MUTUAL OF OMAHA INSURANCE COMPANY | $773 | $263 | $1K | 20.11% |
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 | 555 | 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) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 388 | $57K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 555 | $119K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $92K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $64K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 555 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.