| 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 | $105K | — | $105K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SHELTERPOINT INSURANCE | $53K | — | $53K | 7.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC. | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | SHELTERPOINT INSURANCE | $8K | — | $8K | 1.00% |
| HARMON DENNIS BRADSHAW INC3 | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | $40K | $9K | $50K | 18.71% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.91% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | — | $23K | 16.72% |
| KATHRYN KENNER DECOUX3 | 2210 SPRINGWOOD DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $601 | — | $601 | 0.43% |
| HEATHER HORN3 | 126 REED LN LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | $79 | $422 | 0.30% |
| DEMPSEY D BELL3 | 17204 STATE HIGHWAY 21 MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $363 | — | $363 | 0.26% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $253 | $59 | $312 | 0.22% |
| BARDEN AND ASSOCIATES LLC3 | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $253 | $42 | $295 | 0.21% |
| MELISSA BILLINGSLEY3 | 3224 OAKLEIGH CIRCLE OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $39 | $241 | 0.17% |
| KARA HUGHES PARDUE3 | 623 SOUTHERN WAY SPANISH FORT, AL 36527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 0.15% |
| COMPLETE BUSINESS BENEFITS INC3 | 905 W TUSKEENA ST WETUMPKA, AL 36092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 0.11% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAN 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.10% |
| JENNIFER C CUSHMAN3 | 5038 CAMELOT DR W MOBILE, AL 36619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $9 | $105 | 0.07% |
| GRACIE BILLINGSLEY3 | 11600 TANNER WILLIAMS RD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $2 | $97 | 0.07% |
| SHELTON BENEFITS LLC3 | P.O. BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $2 | $60 | 0.04% |
| DAVID TYLER BURRUS3 | 143 MERRELL DRIVE SHELBY, AL 35143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $19 | $25 | 0.02% |
| TODD BOOZER3 | 2900 CAHABA RD STE G5 MOUNTAIN BRK, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| JESSICA SHELTON3 | PO BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| LAWRENCE BLAIR CORLEY3 | 3017 SMITH DR GAUTIER, MS 39553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 434 | 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) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 558 | $4.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 434 | $3.5M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 434 | $3.5M |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | 410 | $406K |
| Short-term disability | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | 410 | $266K |
| Long-term disability | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | 410 | $266K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 434 | $3.5M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 434 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.