| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSAW | PO BOX 241667 MONTGOMERY, AL 36124 | ACE AMERICAN INSURANCE COMPANY | $80K | — | $80K | 12.81% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PARKWAY SUITE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE COMPANY | — | $37K | $37K | 5.92% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $37K | — | $37K | 5.92% |
| SURETY MARKETING & CONSULTING0 Filed as: SURETY MARKETING AND CONSULTING | 246 RIVER OAK DRIVE MT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE COMPANY | — | $31K | $31K | 4.93% |
| COMPETITIVE HEALTH INC0 | 8605 SANTA MONICA BLVD PMB 78817 WEST HOLLYWOOD, CA 90069 | ACE AMERICAN INSURANCE COMPANY | — | $8K | $8K | 1.28% |
| LBA SERVICE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.98% |
| BENEFITS FOR EVERYONE3 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 | PO BOX 241667 MONTGOMERY, AL 36124 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 14.87% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 15.27% |
| HARMON DENNIS BRADSHAW INC3 | 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 CONTRACT ADMINSTRATOR | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST PO BOX 995 BIRMINGHAM, AL 35298 | $249K |
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 | 528 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 528 | 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 | 361 | $4.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 361 | $3.7M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 284 | $48K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 372 | $99K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 374 | $102K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 361 | $3.7M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 374 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.