| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC1 | P O BOX 241667 MONTGOMERY, AL 36124 | RESERVE NATIONAL INSURANCE COMPANY | $57K | — | $57K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC1 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | RESERVE NATIONAL INSURANCE COMPANY | $31K | $0 | $31K | 7.50% |
| LBA SERVICE LLC1 Filed as: LBA SERVICES | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | RESERVE NATIONAL INSURANCE COMPANY | $6K | $0 | $6K | 1.50% |
| ROBERT TROTT1 | 4131 CARMICHAEL ROAD MONTGOMERY, AL 36106 | RESERVE NATIONAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.77% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | P O BOX 241667 MONTGOMERY, AL 361241667 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.69% |
| HARMON DENNIS BRADSHAW INC3 | P O BOX 241667 MONTGOMERY, AL 36124 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.70% |
| HARMAN DENNIS BRADSHAW INC3 | P O BOX 241667 MONTGOMERY, AL 361241667 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.63% |
| HARMON DENNIS BRADSHAW INC3 | P O BOX 241667 MONTGOMERY, AL 361241667 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 11.52% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 269 | $2.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 269 | $2.5M |
| Vision | STANDARD INSURANCE COMPANY | 205 | $30K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 288 | $46K |
| Short-term disability | STANDARD INSURANCE COMPANY | 78 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 76 | $70K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 269 | $2.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 280 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.