| 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 | $29K | — | $29K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SHELTERPOINT INSURANCE | $15K | — | $15K | 7.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC. | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | SHELTERPOINT INSURANCE | $2K | — | $2K | 1.00% |
| HARMON DENNIS BRADSHAW INC3 | 4131 CARMICHAEL RD MONTGOMERY, AL 36106 | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 18.71% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $673 | $673 | 0.92% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $954 | — | $954 | 19.44% |
| HEATHER HORN3 | 126 REED LN LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $619 | $219 | $838 | 17.07% |
| DAVID TYLER BURRUS3 | 143 MERRELL DRIVE SHELBY, AL 35143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $228 | $301 | 6.13% |
| KATHRYN KENNER DECOUX3 | 2210 SPRINGWOOD DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 2.77% |
| COMPLETE BUSINESS BENEFITS INC3 | 905 W TUSKEENA ST WETUMPKA, AL 36092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| MELISSA BILLINGSLEY3 | 3224 OAKLEIGH CIRCLE OCEAN SPRINGS, MS 39564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| DEMPSEY D BELL3 | 17204 STATE HIGHWAY 21 MINTER, AL 36761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 120 | 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) | 120 | 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 | 154 | $1.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 120 | $966K |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 120 | $966K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | 113 | $78K |
| Short-term disability | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | 113 | $74K |
| Long-term disability | EQUITABLE INANCIAL LIFE INSURANCE COMPANY OF AMERICA | 113 | $74K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 120 | $966K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 120 | $966K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.