| 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 | ACE AMERICAN INSURANCE COMPANY | $72K | — | $72K | 12.75% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PARKWAY SUITE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE COMPANY | — | $33K | $33K | 5.89% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $33K | — | $33K | 5.89% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DR MT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE COMPANY | — | $28K | $28K | 4.90% |
| COMPETITIVE HEALTH INC0 | 300 SPECTRUM CENTER DR SUITE 400 IRVINE, CA 92618 | ACE AMERICAN INSURANCE COMPANY | — | $7K | $7K | 1.29% |
| LBA SERVICE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.98% |
| BENEFITS FOR EVERYONE0 Filed as: BENEFITS FOR EVERYONE LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE COMPANY | — | $4K | $4K | 0.64% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC, | PO BOX 241667 MONTGOMERY, AL 36124 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.03% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC, | PO BOX 241667 MONTGOMERY, AL 36124 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 15.22% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC, | PO BOX 241667 MONTGOMERY, AL 36124 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| 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 | $228K |
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 | 424 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 312 | $3.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 312 | $3.2M |
| Vision | VISION SERVICE PLAN | 235 | $42K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $77K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 311 | $82K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 312 | $3.2M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 312 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.