| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADESHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADESHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 6.52% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.26% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL RD MONTOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL RD MONTOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.26% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.13% |
| HARMON DENNIS BRADSHAW INC3 | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 11.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| LBA SERVICE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $548 | — | $548 | 1.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.50% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHARAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.25% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.49% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.25% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 7.13% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.57% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADSHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 25.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADESHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.51% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.25% |
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 | 329 | 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) | 329 | 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 | 599 | $2.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 329 | $2.6M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 329 | $2.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $108K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $38K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 329 | $2.6M |
| Other(5 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 329 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.