| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | FIDELITY SECURITY LIFE | $74K | — | $74K | 21.50% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | FIDELITY SECURITY LIFE | $2K | — | $2K | 0.50% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $6K | $18K | 9.91% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.35% |
| RICHARD K. HOLMES3 | 414 MEADOWBROOK LN BIRMINGHAM, AL 35213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $971 | $13K | 13.53% |
| COBBS ALLEN & HALL INC3 | STE 200, 115 OFICE PARK DRIVE BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $117 | $2K | 2.63% |
| HOLMES, RICHARD, KIMBROUGH3 | 414 MEADOWBROOK LN BIRMINGHAM, AL 35213 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 14.74% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 445 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $177K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $177K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $93K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 150 | $67K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 445 | $1.2M |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 445 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.