| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | P O BOX 241667 MONTGOMERY, AL 36124 | PRUDENTIAL INSURANCE COMPANY | $10K | $0 | $10K | 8.68% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY | $8K | $0 | $8K | 7.13% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN@ & HALL INC | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY | $7K | $0 | $7K | 6.32% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY | $0 | $34 | $34 | 0.03% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | GUARDIAN LIFE INSURANCE | $6K | $0 | $6K | 9.06% |
| HARMON DENNIS BRADSHAW INC3 | 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | GUARDIAN LIFE INSURANCE | $3K | $0 | $3K | 4.80% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVENUE #3 CHICAGO, IL 60618 | GUARDIAN LIFE INSURANCE | $467 | $0 | $467 | 0.75% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL OF ALABAMA | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | OPTIMED HEALTH | $2K | $0 | $2K | 10.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | OPTIMED HEALTH | $1K | $0 | $1K | 5.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE | $275 | $0 | $275 | 2.87% |
| HARMON DENNIS BRADSHAW INC3 | P O BOX 241667 MONTGOMERY, AL 36124 | UNUM LIFE | $121 | $0 | $121 | 1.26% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE | $119 | $0 | $119 | 1.24% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE | $116 | $0 | $116 | 1.21% |
| RICHARD K. HOLMES3 Filed as: RICHARD KIMBROUGH HOLMES | 700 37TH STREET S BIRMINGHAM, AL 35222 | UNUM LIFE | $46 | $0 | $46 | 0.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCEE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE | $37 | $0 | $37 | 0.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 THIRD PARTY ADMINISTRATO | Plan Administrator Service code 14 | P O BOX 7827 PHILADELPHIA, PA 19176 | $0 |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 110 | $1.1M |
| Dental | GUARDIAN LIFE INSURANCE | 137 | $63K |
| Vision | GUARDIAN LIFE INSURANCE | 137 | $63K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY | 156 | $125K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY | 156 | $116K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY | 156 | $116K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 110 | $1.1M |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD | 156 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.