| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN DOROUGH3 | 701 CYPRUS COVE DRIVE AUBURN, AL 36830 | AMFIRST | $46K | $0 | $46K | 13.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET S BIRMINGHAM, AL 35222 | AMFIRST | $28K | $0 | $28K | 8.00% |
| MORGAN WHITE LIMITED3 | DBA MWG BROKER 500 STEED ROAD RIDGELAND, MS 39157 | AMFIRST | $18K | $0 | $18K | 5.00% |
| DELAR3 | 500 STEED ROAD RIDGELAND, MS 39157 | AMFIRST | $18K | $0 | $18K | 5.00% |
| LBA SERVICE LLC3 | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | AMFIRST | $4K | $0 | $4K | 1.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | P O BOX 241667 MONTGOMERY, AL 361241667 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.20% |
| HARMON DENNIS BRADSHAW INC3 | P O BOX 241667 MONTGOMERY, AL 361241667 | VSP VISION CARE | $1K | $0 | $1K | 10.12% |
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 | 78 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 78 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 78 | $1.1M |
| Vision | VSP VISION CARE | 81 | $12K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 86 | $98K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 86 | $98K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 86 | $98K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 78 | $1.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 78 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86 | — |
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.