| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | 2 PERIMITER PARK SOUTH SUITE 450 WEST BIRMINGHAM, AL 35243 | PAN AMERICAN LIFE INS COMP | $23K | — | $23K | 12.73% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH ST S BIRMINGHAM, AL 35222 | PAN AMERICAN LIFE INS COMP | $11K | — | $11K | 5.87% |
| SURETY MARKETING3 Filed as: SURETY MARKETING SERVICES | 246 RIVER OAK DR MT PLEASANT, SC 28464 | PAN AMERICAN LIFE INS COMP | $9K | — | $9K | 4.89% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | 700 37TH ST S BIRMINGHAM, AL 35222 | PAN AMERICAN LIFE INS COMP | $2K | — | $2K | 0.98% |
| ESTATE OF DAVID GLENN REEVES3 | 10524 CLAYBROOK DR BATON ROUGE, LA 70809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $880 | — | $880 | 5.74% |
| SUSAN J GOODSPEED3 | 2866 BROOKSIDE DR MOBILE, AL 36693 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | — | $344 | 2.24% |
| LEWIS ASHTON BROCK III3 Filed as: LEWIS ASHTON BROCK | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $4 | $209 | 1.36% |
| JOSEPH ARTHUR CINK3 | 19460 STATE HIGHWAY 181 FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 1.28% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.52% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $31 | $43 | 0.28% |
| SHIRLEY KING3 Filed as: SHIRLEY F KING | 625 INDUSTRIAL PARK DR CULLMAN, AL 35055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.20% |
| SHERREL S COCHRAN3 | 3734 BRANCH DR SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.08% |
| CAROLYN DINKINS3 Filed as: CAROLYN D DINKINS | PO BOX 180125 MOBILE, AL 36618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DAVID GLENN REEVES3 Filed as: DAVID G REEVES | PO BOX 797 FAIRHOPE, AL 36533 | STARMOUNT LIFE INSURANCE COMPANY | $827 | — | $827 | 6.44% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | STARMOUNT LIFE INSURANCE COMPANY | $714 | — | $714 | 5.56% |
| HARMON DENNIS BRASHAW3 | 2 PERIMITER PARK SOUTH SUITE 450 WEST BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $763 | — | $763 | 10.00% |
| REEVES, RANDY3 Filed as: REEVES AGENCY | PO BOX 797 FAIRHOPE, AL 36533 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $502 | — | $502 | 9.59% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | 4131 CARMICHAEL ROAD MONTGOMERY, AL 36106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $283 | — | $283 | 5.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $4K |
| WAGEWORKS INC EIN 94-3351864 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 4609 REGENT BLVD IRVING, TX 75063 | $1K |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 203 | $1.3M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 49 | $8K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 101 | $13K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $15K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 35 | $5K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 203 | $1.2M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 203 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.