| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $22K | — | $22K | 11.15% |
| RALPH M HARBUCK, JR3 Filed as: RALPH MAXWELL HARBUCK JR | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $15K | — | $15K | 7.27% |
| GILSBAR, LLC5 | P O BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | — | $14K | $14K | 6.93% |
| RESOLUTION REINSURANCE3 Filed as: RESOLUTION REINSURANCE INTERMEDIAR | 4408 FOREST DRIVE, SUITE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | $0 | $11K | $11K | 5.39% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH ST S BIRMINGHAM, AL 35222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $9K | $29K | 146.30% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 95 | $626K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $20K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $20K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $20K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $20K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $20K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 95 | $426K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 103 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
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.