| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON, DENNIS & BRADSHAW | P.O. BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 5.36% |
| KDC BENEFIT SOLUTIONS, INC.3 | 180 FORESST MOUNTAIN DRIVE WETUMPKA, AL 36093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.04% |
| KATIE H JOHNSON3 Filed as: KATIE H. JOHNSON | 1106 GRANDVIEW DRIVE KIRKWOOD, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.06% |
| THOMAS HAYWOOD COWLES3 | 166 OLD MERRIWETHER TRAIL LA PINE, AL 36046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.88% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 OLD HWY. 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | $282 | $568 | 0.47% |
| DEMPSEY D BELL3 Filed as: DEMPSEY D. BELL | 546 BENDER RD MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $58 | $266 | 0.22% |
| NIKI MYERS3 | 21384 US HWY. 331 LAPINE, AL 36046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | — | $243 | 0.20% |
| LORRAINE D. MCLANEY3 | 540 W. SPRAGUE JCT. ROAD SPRAGUE, AL 36069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.11% |
| NICOLE D BOWEN3 Filed as: NICOLE D. BOWEN | 2459 WILLIAMSON RD. LUVERNE, AL 36049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.04% |
| MARION FRANKLIN BATES3 | 8662 LANOX WAY MONTGOMERY, AL 36116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| HARMON DENNIS BRADSHAW INC3 | P.O. BOX 241667 MONTGOMERY, AL 36124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $499 | $8K | 16.02% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | P.O. BOX 241667 MONTGOMERY, AL 36124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $368 | $3K | 5.82% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW INC. | P.O. BOX 241667 MONTGOMERY, AL 36124 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $235 | $5K | 15.82% |
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 | 573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,049 | $2.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,049 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 383 | $167K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 384 | $29K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,049 | $2.9M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,049 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,049 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.