| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKC CONSULTING, INC.3 Filed as: DKC ENTERPRISES, LLC | 441 ONEAL DRIVE HOOKER, AL 35226 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | — | $80K | $80K | 12.00% |
| KYLE WILLIAMS3 | PO BOX 1257 GUIN, AL 35563 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | — | $40K | $40K | 6.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFITS ALLIANCE | 700 37TH STREET BIRMINGHAM, AL 35222 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | — | $40K | $40K | 5.95% |
| SURETY MARKETING3 | — | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | — | $31K | $31K | 4.62% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | — | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | — | $6K | $6K | 0.92% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ALABAMA | 546 | $2.3M |
| Prescription drug | BLUECROSS BLUESHIELD OF ALABAMA | 546 | $2.3M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ALABAMA | 546 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.