| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 36124 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $65K | — | $65K | 13.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $30K | — | $30K | 6.00% |
| COVENANT ADMINISTRATORS LLC5 Filed as: COVENANT ADMINISTRATORS, LLC | 2810 PREMIERE PKWY STE 400 DULUTH, GA 30097 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $29K | $29K | 5.86% |
| SURETY UNDERWRITERS LLC0 | 132 CHARLESTON LANE MADISON, MS 39110 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $18K | $18K | 3.50% |
| SURETY MARKETING & CONSULTING0 | 3331 CROWELL LANE MOUNT PLEASANT, SC 29466 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $8K | $8K | 1.51% |
| LBA SERVICE LLC3 | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $5K | — | $5K | 1.00% |
| VANTAGE AMERICA SOLUTIONS0 | 1275 MILWAUKEE AVENUE GLENVIEW, IL 60025 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $3K | $3K | 0.65% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC, | PO BOX 241667 MONTGOMERY, AL 36124 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 16.42% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC, | PO BOX 241667 MONTGOMERY, AL 36124 | PRUDENTIAL | $9K | — | $9K | 15.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC, | PO BOX 241667 MONTGOMERY, AL 36124 | PRUDENTIAL | $1K | — | $1K | 2.02% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC, | PO BOX 241667 MONTGOMERY, AL 36124 | VISION SERVICE PLAN | $1K | — | $1K | 4.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST P.O. BOX 995 BIRMINGHAM, AL 35298 | $188K |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 366 | 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 | 303 | $3.0M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 303 | $2.5M |
| Vision | VISION SERVICE PLAN | 204 | $33K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 316 | $60K |
| Long-term disability | PRUDENTIAL | 269 | $59K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 303 | $2.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 316 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.