| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $7K | $26K | 20.66% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | UNKNOWN BIRMINGHAM, AL 35243 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $0 | $8K | 8.27% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | ARCH INSURANCE COMPANY | $11K | $0 | $11K | 13.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFITS ALLIANCE | UNKNOWN HUNTSVILLE, AL 35801 | ARCH INSURANCE COMPANY | $5K | $0 | $5K | 6.00% |
| ACI3 | UNKNOWN HUNTSVILLE, AL 35801 | ARCH INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| SURETY MARKETING3 | UNKNOWN HUNTSVILLE, AL 35801 | ARCH INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | UNKNOWN HUNTSVILLE, AL 35801 | ARCH INSURANCE COMPANY | $802 | $0 | $802 | 0.99% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $2K | $0 | $2K | 11.08% |
| IMA, INC.3 | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $148 | $0 | $148 | 0.92% |
| IMA, INC.3 | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | ALLYHEALTH | $2K | $0 | $2K | 41.69% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 192 | $832K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 227 | $91K |
| Vision | VISION SERVICE PLAN | 103 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $126K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $126K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $126K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 192 | $832K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.