| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SURETY MARKETING & CONSULTING3 Filed as: SURETY MARKETING & CONSULTING SERVI | — | ACE AMERICAN INSURANCE COMPANY | $114K | — | $114K | 33.51% |
| THOMPSON INSURANCE INC.3 Filed as: THOMPSON INSURANCE INC | 3300 GATSBY LANE MONTGOMERY, AL 36106 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 18.29% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | STANDARD INSURANCE COMPANY | $2K | $888 | $3K | 6.64% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.72% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | STANDARD INSURANCE COMPANY | $1K | $467 | $2K | 6.71% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.73% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | STANDARD INSURANCE COMPANY | $2K | $822 | $3K | 12.95% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 224 | $1.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 224 | $1.5M |
| Vision | STANDARD INSURANCE COMPANY | 143 | $22K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 234 | $62K |
| Short-term disability | STANDARD INSURANCE COMPANY | 57 | $24K |
| Long-term disability | STANDARD INSURANCE COMPANY | 70 | $46K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 224 | $1.5M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 234 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
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.