| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $742 | $31K | 15.36% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $469 | $6K | 3.84% |
| ALLIANCE INSURANCE GROUP LLC3 | P.O. BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.38% |
| TURNER FINANCIAL SERVICES, LLC3 Filed as: TURNER FINANCIAL SVCS | PO DRAWER 230789 MONTGOMERY, AL 36123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.81% |
| KDC BENEFIT SOLUTIONS, INC.3 Filed as: KDC BENEFIT SOLUTIONS | 180 FOREST MT DR WETUMPKA, AL 36093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.81% |
| KENNETH D. COX3 Filed as: KENNETH COX | 390 MELISON DR PIKE RD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.79% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE & ASSOC | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $545 | $370 | $915 | 0.59% |
| DEMPSEY D BELL3 | 546 BENDER RD MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $239 | $617 | 0.39% |
| THOMAS JASON HICKS3 | PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $351 | — | $351 | 0.22% |
| NIKI MYERS3 | 21384 US HIGHWAY 331 LAPINE, AL 36046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | — | $330 | 0.21% |
| MICHAEL G. HICKS3 Filed as: MICHAEL G HICKS | PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 0.19% |
| ERIN COX3 | 180 FOREST MT DR WETUMPKA, AL 36093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $21 | $267 | 0.17% |
| LORRAINE D. MCLANEY3 | 540 W. SPRAGUE JCT ROAD SPRAGUE, AL 36069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | — | $265 | 0.17% |
| THOMAS HAYWOOD COWLES3 | 1535 OLD MERIWETHER TRAIL LAPINE, AL 36046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $253 | — | $253 | 0.16% |
| LISA MARIE KLEIN3 | 1509 KINGS RD CANTONMENT, FL 32533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 0.14% |
| KATIE H JOHNSON3 | 1106 GRANDVIEW DR KIRKWOOD, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | — | $218 | 0.14% |
| NICOLE D BOWEN3 | 2459 WILLIAMSON RD LUVERNE, AL 36049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | — | $202 | 0.13% |
| SUZANNE M CALHOUN3 Filed as: SUZANNE CALHOUN | 3104 HADDONSTONE DR OWENS, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $18 | $165 | 0.11% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.08% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.05% |
| TIMOTHY ALLEN WALKER3 | 239 MOCKINGBIRD LANE ATMORE, AL 36502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $11 | $27 | 0.02% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $3 | $19 | 0.01% |
| KELLIE WELLS3 | 9600 COLUMBUS AVE FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $2K | $15K | 17.33% |
| HARMON DENNIS BRADSHAW INC3 | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 361176971 | VISION SERVICE PLAN | $5K | — | $5K | 8.00% |
| 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 | $421K |
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 | 481 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 395 | $59K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 481 | $253K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 481 | $253K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $85K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY INC | 449 | $447K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 166 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.