| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.79% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $4K | — | $4K | 3.41% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.81% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $3K | — | $3K | 3.82% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.12% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $675 | — | $675 | 1.16% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUT, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.56% |
| THE HARRISON AGENCY, LLC3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $1K | — | $1K | 3.28% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | ACE AMERICAN INSURANCE CO | $6K | — | $6K | 23.92% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE CO | $4K | — | $4K | 14.35% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PKWY STE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE CO | — | $4K | $4K | 14.35% |
| SURETY MARKETING & CONSULTING0 Filed as: SURETY MARKETING AND CONSULTING | 246 RIVER OAK DR MT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE CO | — | $3K | $3K | 11.97% |
| PHILLIP BRANDON KELLEY3 | 5473 SCOUT CREEK DR HOOVER, AL 35244 | ACE AMERICAN INSURANCE CO | $2K | — | $2K | 7.18% |
| LBA SERVICE LLC5 Filed as: LBA SERVICE | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE CO | $617 | — | $617 | 2.40% |
| THE HARRISON AGENCY, LLC3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 12.68% |
| THE HARRISON AGENCY, LLC3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $449 | $449 | 2.95% |
| THE HARRISON AGENCY, LLC3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $313 | $313 | 2.11% |
| THE HARRISON AGENCY, LLC3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $290 | $290 | 2.70% |
| 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 | $205K |
| UMR, INC. EIN 39-1995276 BROKERAGE | Claims processing Service code 12 | — | $126K |
| THE HARRISON AGENCY LLC EIN 92-0529604 BROKERAGE | Other commissions Service code 55 | 6261 HANNAH DRIVE MOUNT OLIVE, AL 35117 | $23K |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $694K |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 401 | $0 |
| Vision | STANDARD INSURANCE COMPANY | 385 | $43K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 567 | $91K |
| Short-term disability(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 567 | $129K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $112K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUMMIT REINSURANCE SVCS INC-COMPANION | 197 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.