| 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 | EQUITABLE FINANCIAL LIFE | $33K | $0 | $33K | 14.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE | $0 | $11K | $11K | 5.06% |
| JOHN DOROUGH3 | 701 CYPRUS COVE DRIVE AUBURN, AL 36830 | MWG ADMINISTRATORS | $45K | $0 | $45K | 78.00% |
| ALLIANCE ADMINISTRATIVE SERVICES LL3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | MWG ADMINISTRATORS | $13K | $0 | $13K | 22.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE | $191 | — | $191 | 3.45% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE | $116 | — | $116 | 2.09% |
| HARMON DENNIS BRADSHAW INC3 | P O BOX 241667 MONTGOMERY, AL 36124 | UNUM LIFE | $69 | — | $69 | 1.25% |
| RICHARD K. HOLMES3 Filed as: RICHARD KIMBROUGH HOLMES | 700 37TH STREET S BIRMINGHAM, AL 35222 | UNUM LIFE | $46 | — | $46 | 0.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCEE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE | $33 | — | $33 | 0.60% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE | — | — | $0 | 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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 140 | $1.3M |
| Dental | EQUITABLE FINANCIAL LIFE | 140 | $225K |
| Vision | EQUITABLE FINANCIAL LIFE | 140 | $225K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE | 140 | $231K |
| Short-term disability | EQUITABLE FINANCIAL LIFE | 140 | $225K |
| Long-term disability | EQUITABLE FINANCIAL LIFE | 140 | $225K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 100 | $1.1M |
| Other(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD | 140 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.