| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | 7115 HALCYON SUMMIT DR. MONTGOMERY, AL 36117 | SHELTERPOINT INSURANCE | $100K | — | $100K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SHELTERPOINT INSURANCE | $50K | — | $50K | 7.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC. | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | SHELTERPOINT INSURANCE | $7K | — | $7K | 1.00% |
| HARMON DENNIS BRADSHAW INC3 | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 4.92% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $11 | $20K | 14.08% |
| HEATHER HORN3 | 126 REED LN LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $914 | $264 | $1K | 0.81% |
| KARA HUGHES PARDUE3 | 623 SOUTHERN WAY SPANISH FORT, AL 36527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $685 | $227 | $912 | 0.63% |
| MEDISON DIANE PARKER3 | 10253 TANNER WILLIAMS RD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $875 | — | $875 | 0.60% |
| COMPLETE BUSINESS BENEFITS INC3 | 905 W TUSKEENA ST WETUMPKA, AL 36092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $544 | $228 | $772 | 0.53% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $316 | $717 | 0.49% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN AND ASSOCIATES LIC | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $295 | $696 | 0.48% |
| BRENDAN ARTHUR MCKEITHEN3 | 1404 MORLEE DR E MOBILE, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $583 | — | $583 | 0.40% |
| KATHRYN KENNER DECOUX3 | 2210 SPRINGWOOD DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $567 | $1 | $568 | 0.39% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $72 | $537 | 0.37% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT ST FI 4 MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $272 | $517 | 0.36% |
| DEMPSEY D BELL3 | 17204 STATE HIGHWAY 21 MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | — | $456 | 0.31% |
| GRACIE BILLINGSLEY3 | 11600 TANNER WILLIAMS RD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $308 | $429 | 0.30% |
| JENNIFER C CUSHMAN3 | 5038 CAMELOT DR W MOBILE, AL 36619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $157 | $278 | 0.19% |
| TODD BOOZER3 | 2900 CAHABA RD STE G5 MOUNTAIN BRK, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.11% |
| SHELTON BENEFITS LLC3 | P.O. BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $19 | $106 | 0.07% |
| JESSICA SHELTON3 | PO BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.06% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LANE MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.04% |
| BARBARA ESTES3 Filed as: BARBARA BELCHER | 2404 33RD STREET VALLEY, AL 36854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| LAWRENCE BLAIR CORLEY3 | 3017 SMITH DR GAUTIER, MS 39553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
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 | 380 | 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) | 380 | 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 | 663 | $3.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 380 | $3.1M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 380 | $3.1M |
| Life insurance | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | 383 | $283K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | 383 | $428K |
| Long-term disability | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | 383 | $283K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 380 | $3.1M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 380 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.