| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAMRON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | ACE AMERICAN INSURANCE | $89K | — | $89K | 11.89% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFITS ALLIANCE LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE | $41K | — | $41K | 5.48% |
| COVENANT ADMINISTRATORS LLC | 2810 PREMIERE PARKWAY SUITE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE | — | $41K | $41K | 5.48% |
| SURETY MARKETING & CONSULTING Filed as: SURETY MARKETING AND CONSULTING | 4246 CLUB COURSE DRIVE CHARLESTON, SC 29420 | ACE AMERICAN INSURANCE | — | $34K | $34K | 4.56% |
| LBA SERVICE LLC5 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE | $7K | — | $7K | 0.92% |
| BENEFITS FOR EVERYONE3 Filed as: BENEFITS FOR EVERYONE LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE | $6K | — | $6K | 0.82% |
| RECURO HEALTH INC0 | 309 N WASHINGTON AVE SUITE 13 BRYAN, TX 77803 | ACE AMERICAN INSURANCE | $6K | — | $6K | 0.82% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $32K | $6K | $38K | 19.32% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | — | $16K | $16K | 8.14% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 14.86% |
| JOHN DOROUGH3 | PO BOX 241667 MONTGOMERY, AL 36124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST PO BOX 995 BIRMINGHAM, AL 35298 | $409K |
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 | 535 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 535 | 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 | 335 | $7.0M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 335 | $6.3M |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 345 | $198K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 345 | $198K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 344 | $133K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 335 | $6.3M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 335 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.