| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | NATIONWIDE INSURANCE | $55K | — | $55K | 12.84% |
| GILSBAR, LLC5 | PO BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | — | $33K | $33K | 7.72% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $21K | — | $21K | 4.96% |
| RESOLUTION REINSURANCE0 Filed as: RESOLUTION REINSURANCE INTERMED | 4408 FOREST DRIVE SUITE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | — | $20K | $20K | 4.67% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $4K | — | $4K | 0.96% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.88% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 22.14% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.05% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.98% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 254 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 227 | $1.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 227 | $1.7M |
| Vision | STANDARD INSURANCE COMPANY | 163 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 254 | $37K |
| Short-term disability | STANDARD INSURANCE COMPANY | 48 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 68 | $56K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 227 | $1.7M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 227 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.