| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 6.27% |
| KDC BENEFIT SOLUTIONS, INC.3 Filed as: KDC BENEFIT SOLUTIONS | 180 FOREST MT DR WETUMPKA, AL 36093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $288 | $8K | 4.77% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | VARIOUS VARIOUS, AL 00000 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $596 | $3K | 1.58% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.47% |
| LISA MARIE KLEIN3 | 1509 KINGS RD CANTONMENT, FL 32533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $500 | $2K | 1.21% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE & ASSOC | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $936 | $923 | $2K | 1.09% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $192 | $2K | 1.03% |
| TURNER FINANCIAL SERVICES, LLC3 Filed as: TURNER FINANCIAL SVCS | PO DRAWER 230789 MONTGOMERY, AL 36123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| DEMPSEY D BELL3 | 546 BENDER RD MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $264 | $1K | 0.82% |
| LORRAINE D. MCLANEY3 | 540 W. SPRAGUE JCT ROAD SPRAGUE, AL 36069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.80% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $933 | $174 | $1K | 0.65% |
| NIKI MYERS3 | 21384 US HIGHWAY 331 LAPINE, AL 36046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 0.29% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $3K | $18K | 18.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | PO BOX 995 BIRMINGHAM, AL 35298 | $443K |
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 | 471 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 471 | $270K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 471 | $270K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 185 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.