| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $6K | $27K | 18.11% |
| LEO GOETZ3 | 15288 CELESTE ROAD CHUNCHULA, AL 36521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $17K | $22K | 14.91% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $3K | $13K | 8.69% |
| KARA HUGHES PARDUE3 | 623 SOUTHERN WAY SPANISH FORT, AL 36527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 7.84% |
| KRISTEN RAE PHILLIPS3 | 1509 GOVERNMENT STREET #4 MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $8K | $9K | 6.40% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $627 | $5K | 3.33% |
| WESTON WILLIAMS3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.97% |
| MELISSA BILLINGSLEY3 | 1509 GOVERNMENT STREET MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $962 | $3K | $4K | 2.83% |
| JENNIFER C CUSHMAN3 | 5038 CAMELOT DRIVE WEST MOBILE, AL 36619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $720 | $2K | $3K | 2.13% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $52 | $3K | 1.85% |
| KATHRYN KENNER DECOUX3 | 2210 SPRINGWOOD DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $86 | $2K | 1.65% |
| DEMPSEY D BELL3 | 17204 STATE HIGHWAY 21 BRAGGS, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.51% |
| GRACIE BILLINGSLEY3 | 945 SCHILLINGER ROAD SOUTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $2K | $2K | 1.31% |
| ERIC VENTURES LLC3 | 931 MONROE DRIVE NORTHEAST ATLANTA, GA 30308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | $175 | $410 | 0.28% |
| MITCHELL HECTOR MORALES3 | 1264 GABLES VIEW PLACE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $49 | $221 | 0.15% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $2 | $41 | 0.03% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| JOSEPH MCBRIDE3 | 885 COX CREEK PARKWAY FLORENCE, AL 35630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | 2 PERIMETER PARK SOUTH SUITE 450 WEST BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.06% |
| BKS PARTNERS3 | 4211 WEST BOY SOUT BOULEVARD SUITE 1000 TAMPA, FL 33607 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.38% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | WESTON WILLIAMS 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.68% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | $5K | — | $5K | 11.37% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC | PO BOX 241667 MONTGOMERY, AL 36124 | TRANSAMERICA INSURANCE CO | $5K | — | $5K | 10.53% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO | $4K | — | $4K | 9.02% |
| WESTON WILLIAMS3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO | $4K | — | $4K | 8.42% |
| IMPACT INTERACTIVE LLC3 Filed as: IMPACT INTERATIVE LLC | PO BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO | $2K | — | $2K | 3.27% |
| LBA SERVICE LLC3 Filed as: LBA SERVICES LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO | $1K | — | $1K | 3.01% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | $1K | — | $1K | 2.65% |
| LBA SERVICE LLC3 Filed as: LBA CONSULTING | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO | $1K | — | $1K | 2.11% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $632 | $449 | $1K | — |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | — | $349 | $349 | — |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 113 | $874K |
| Dental(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 134 | $87K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 134 | $87K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $148K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 113 | $874K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 115 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.