| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC | P O BOX 241667 MONTGOMERY, AL 36124 | GULF GUARANTY LIFE INSURANCE COMPANY | $29K | — | $29K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | GULF GUARANTY LIFE INSURANCE COMPANY | $13K | — | $13K | 6.00% |
| LBA SERVICE LLC3 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 | GUARDIAN | $19K | — | $19K | 13.71% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVI | PO BOX 240518 MONTGOMERY, AL 36124 | GUARDIAN | $2K | $447 | $2K | 1.61% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 239 | $135K |
| Life insurance | GUARDIAN | 256 | $141K |
| Short-term disability | GUARDIAN | 256 | $141K |
| Long-term disability | GUARDIAN | 256 | $141K |
| Other(2 contracts, 2 carriers) | GULF GUARANTY LIFE INSURANCE COMPANY | 256 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.