| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.32% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $0 | $20K | 13.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 6.00% |
| SURETY MARKETING & CONSULTING3 Filed as: SURETY MERKETING & CONSULTING SVC. | 4246 CLUB COURSE DRIVE NORTH CHARLESTON, SC 29420 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.00% |
| USI INSURANCE SERVICES LLC3 | 5100 POPLAR AVENUE, SUITE 1200 MEMPHIS, TN 38137 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $19K | $19K | 12.92% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $9K | $9K | 5.97% |
| SURETY MARKETING & CONSULTING3 Filed as: SURETY MERKETING | 4246 CLUB COURSE DRIVE NORTH CHARLESTON, SC 29420 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $7K | $7K | 4.97% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 0.99% |
| UNKNOWN3 | UNKNOWN HUNTSVILLE, AL 35806 | TELADOC HEALTH, INC. | $1K | $0 | $1K | 15.00% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 397 | $1.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 397 | $1.4M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 397 | $1.4M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 311 | $155K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 311 | $155K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 311 | $155K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 397 | $1.4M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 311 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
No prospect flags tripped on this filing.