| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | SHELTERPOINT INSURANCE | $85K | — | $85K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SHELTERPOINT INSURANCE | $52K | — | $52K | 8.50% |
| LBA SERVICE LLC3 | 414 MEADOWBRODDK LN BIRMINGHAM, AL 35213 | SHELTERPOINT INSURANCE | $6K | — | $6K | 1.00% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $8K | $30K | 20.56% |
| BRENDAN ARTHUR MCKEITHEN3 | 1404 MORLEE DR E MOBILE, AL 36618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $9K | $12K | 8.48% |
| KARA HUGHES PARDUE3 | 623 SOUTHERN WAY SPANISH FORT, AL 36527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 5.23% |
| PJ SKELTON LLC3 Filed as: PJ SKELTON LIC | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4K | $7K | 4.67% |
| COMPLETE BUSINESS BENEFITS INC3 | 905 W TUSKEENA ST WETUMPKA, AL 36092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 4.34% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $995 | $5K | 3.61% |
| MADISON DIANE PARKER3 | 10253 TANNER WILLIAMS RD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 3.32% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN AND ASSOCIATES LIC | 228 PALMER DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $5K | 3.23% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $863 | $4K | $4K | 3.03% |
| GRACIE BILLINGSLEY3 | 945 SCHILINGER RD S MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $431 | $3K | $4K | 2.69% |
| KATHRYN KENNER DECOUX3 | 2210 SPRINGWOOD DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $378 | $3K | 2.24% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $701 | $3K | 1.87% |
| JENNIFER C CUSHMAN3 | 5038 CAMELOT DR W MOBILE, AL 36619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $431 | $2K | $2K | 1.48% |
| DEMSEY D BELL3 | 17204 STATE HWY 21 BRAGGS, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $5 | $2K | 1.19% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $870 | $20 | $890 | 0.62% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $582 | $58 | $640 | 0.44% |
| BARBARA ESTES3 Filed as: BARBARA BELCHER | 2404 33RD STREET VALLEY, AL 36854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $5 | $263 | 0.18% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADESHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 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 | 5.47% |
| 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 | 6.00% |
| 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 | 6.45% |
| 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 | 6.03% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS & BRADESHAW INC | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | — |
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 | 298 | 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) | 298 | 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 | 535 | $3.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 298 | $2.5M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 298 | $2.5M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $53K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 180 | $265K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $38K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 298 | $2.5M |
| Other(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 298 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.