| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HDB INSURANCE3 | 3235 SATELLITE BOULEVARD DULUTH, GA 30096 | AXIS INSURANCE COMPANY | $10K | — | $10K | 12.27% |
| ACI3 | 400 CAMPUS DRIVE COLLEGEVILLE, PA 19426 | AXIS INSURANCE COMPANY | $5K | — | $5K | 5.67% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFITS ALLIANCE | 700 37TH STREET SBIRMINGHAM, AL 35222 | AXIS INSURANCE COMPANY | $5K | — | $5K | 5.66% |
| SURETY MARKETING3 | 246 RIVER OAK DRIVE MT PLEASANT, SC 29464 | AXIS INSURANCE COMPANY | $4K | — | $4K | 4.72% |
| BENEFITS FOR EVERYONE3 Filed as: BENEFITS FOR EVERYONE LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | AXIS INSURANCE COMPANY | $2K | — | $2K | 2.47% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | 275 W NATICK ROAD WARWICK, RI 02886 | AXIS INSURANCE COMPANY | $767 | — | $767 | 0.94% |
| ROBERT TROTT3 | PO BOX 241667 MONTGOMERY, AL 36124 | AMFIRST | $9K | — | $9K | 13.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET S BIRMINGHAM, AL 35222 | AMFIRST | $6K | — | $6K | 8.00% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $3K | — | $3K | 5.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | AMFIRST | $695 | — | $695 | 1.00% |
| ALLIANCE ADMINISTRATIVE SERVICES3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ISOLVED INC. | $5K | — | $5K | 48.00% |
| ROBERT TROTT3 | PO BOX 241667 MONTGOMERY, AL 36124 | ISOLVED INC. | $4K | — | $4K | 40.00% |
| ALLIANCE ADMINISTRATIVE SERVICES3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ANUVI | $161 | — | $161 | 40.05% |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 340 | $1.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 340 | $1.5M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 340 | $1.5M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 340 | $1.5M |
| Other(6 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 340 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.