| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | NATIONWIDE INSURANCE | $48K | — | $48K | 25.53% |
| GILSBAR, LLC3 | P.O. BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | $19K | — | $19K | 9.93% |
| RESOLUTION REINSURANCE3 Filed as: RESOLUTION REINSURANCE INTERMEDIARI | 4408 FOREST DRIVE, SUITE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | — | $15K | $15K | 8.15% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 600 LUCKIE DR, SUITE 315 BIRMINGHAM, AL 35223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $17K | 11.00% |
| RICHARD K. HOLMES3 | 414 MEADOWBROOK LN BIRMINGHAM, AL 35213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $807 | $10K | 16.19% |
| HOLMES, RICHARD, KIMBROUGH3 | 414 MEADOWBROOK LN BIRMINGHAM, AL 35213 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 13.49% |
| LAKESHORE BENEFITS3 | 600 LUCKIE DRIVE, STE 315 BIRMINGHAM, AL 35223 | COMPANION LIFE INSURANCE COMPANY | $4K | $819 | $5K | 21.49% |
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 | 250 | 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) | 251 | 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 | 209 | $1.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $152K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $152K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $127K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 151 | $62K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 209 | $936K |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 209 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.