| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC Filed as: HARMON DENNIS BRADSHAW | 1777 FIELDSTONE LANE AUBURN, AL 36830 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $107K | $107K | 18.84% |
| LAKESHORE BENEFIT ALLIANCE LLC Filed as: LAKESHORE BENEFIT ALLIANCE | — | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $49K | $49K | 8.69% |
| SURETY MARKETING | — | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $41K | $41K | 7.25% |
| LBA SERVICE LLC Filed as: LBA SERVICE | — | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $8K | $8K | 1.45% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $18K | $18K | 13.78% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 450 RIVERSHASE PARKWAY EAST PO BOX 995 BIRMINGHAM, AL 35298 | $397K |
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 | 505 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 397 | $6.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 397 | $6.0M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $65K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $134K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 416 | $145K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 397 | $6.0M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 403 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.