| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC5 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 36124 | GULF GUARANTY LIFE INSURANCE COMPANY | $29K | — | $29K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC5 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | GULF GUARANTY LIFE INSURANCE COMPANY | $12K | — | $12K | 6.00% |
| LBA SERVICE LLC5 Filed as: LBA SERVICE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | GULF GUARANTY LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PARKWAY, SUITE 240 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY | $16K | — | $16K | 14.23% |
| JOSEPH A AVERY3 | 112 CLUB WAY ENTERPRISE, AL 36330 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.02% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | 33485 ALDER CIRCLE SPANISH FORT, AL 36527 | THE GUARDIAN LIFE INSURANCE COMPANY | $156 | — | $156 | 0.14% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 10 MONTEVALLO TERRACE BIRMINGHAM, AL 35213 | THE GUARDIAN LIFE INSURANCE COMPANY | $156 | — | $156 | 0.14% |
| DAVID MILLER3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 16.15% |
| SHERRIE YOUNG3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.19% |
| KERI ANDERSON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.31% |
| STEPHANIE CREWS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $337 | — | $337 | 0.69% |
| JULIA PHILLIPS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $127 | — | $127 | 0.26% |
| DANIEL ANTHONY3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $119 | — | $119 | 0.24% |
| KIMBERLY VINSON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $76 | — | $76 | 0.15% |
| BLAKE MILLER3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $39 | — | $39 | 0.08% |
| EDDIE PITTS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.05% |
| BETH TEMPLETON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TN 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RENEE BROWN | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| DAVID MILLER3 Filed as: DAVID BASS | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN MILES ROWAN3 Filed as: JOHN BROOKS, JR | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAVID MILLER3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 19.49% |
| SHERRIE YOUNG3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.66% |
| KERI ANDERSON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $844 | — | $844 | 5.65% |
| STEPHANIE CREWS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $131 | — | $131 | 0.88% |
| STEPHANIE CREWS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $973 | — | $973 | 65.79% |
| KERI ANDERSON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $244 | — | $244 | 16.50% |
| SHERRIE YOUNG3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $242 | — | $242 | 16.36% |
| STEPHANIE CREWS3 Filed as: STEPHANIE CREW | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $56 | — | $56 | 3.79% |
No Schedule C service providers reported on this filing.
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 346 | $1.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 346 | $1.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 231 | $115K |
| Life insurance(5 contracts, 3 carriers) | GULF GUARANTY LIFE INSURANCE COMPANY | 254 | $388K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 231 | $115K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 231 | $115K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 346 | $1.3M |
| Other(5 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 346 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.