| 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 | $15K | $3K | $18K | 15.18% |
| ERIN COX3 | 390 MELISON DR PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $269 | $4K | 3.23% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 OLD HWY. 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $654 | $1K | $2K | 1.53% |
| DEMPSEY D BELL3 Filed as: DEMPSEY D. BELL | 546 BENDER RD MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $709 | $796 | $2K | 1.26% |
| KDC BENEFIT SOLUTIONS, INC.3 | 180 FORESST MOUNTAIN DRIVE WETUMPKA, AL 36093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.01% |
| KATIE H JOHNSON3 Filed as: KATIE H. JOHNSON | 1106 GRANDVIEW DRIVE KIRKWOOD, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.90% |
| THOMAS HAYWOOD COWLES3 | 166 OLD MERRIWETHER TRAIL LA PINE, AL 36046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $871 | — | $871 | 0.73% |
| NICOLE D BOWEN3 Filed as: NICOLE D. BOWEN | 2459 WILLIAMSON RD. LUVERNE, AL 36049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $652 | — | $652 | 0.55% |
| KENETH D COX3 | 390 MELISON DR PIKE ROAD, AL 36064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | — | $289 | 0.24% |
| NIKI MYERS3 | 21384 US HWY. 331 LAPINE, AL 36046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.13% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 47.85% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 8.14% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $988 | $7K | 12.52% |
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 | 675 | 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) | 675 | 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 | 1,221 | $5.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,221 | $4.9M |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 522 | $285K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 522 | $223K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 522 | $107K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,221 | $4.9M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,221 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,221 | — |
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.
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.