| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | FIDELITY SECURITY LIFE | $48K | — | $48K | 11.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | FIDELITY SECURITY LIFE | $35K | — | $35K | 8.00% |
| JOEL SANDERS3 | 2165 HALCYON BOULEVARD MONTGOMERY, AL 36117 | FIDELITY SECURITY LIFE | $6K | — | $6K | 1.50% |
| JOHN C KELLY3 | 1021 SOMERSET LANE BIRMINGHAM, AL 35242 | FIDELITY SECURITY LIFE | $6K | — | $6K | 1.50% |
| HARMON DENNIS BRADSHAW INC3 | 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 8.13% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 8.13% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 9.88% |
| HARMON DENNIS BRADSHAW INC3 | 7115 HALCYCON SUMMIT DRIVE MONTGOMERY, AL 36117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 8.83% |
| HARMON DENNIS BRADSHAW INC3 | 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | HARTFORD LIFE AND ACCIDENT | $722 | — | $722 | 5.18% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | HARTFORD LIFE AND ACCIDENT | $722 | — | $722 | 5.18% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $519 | — | $519 | 6.19% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW INC. | 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $519 | — | $519 | 6.19% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 214 | $1.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 214 | $1.3M |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $57K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $57K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 66 | $65K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 214 | $1.3M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 214 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.