| 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 | GUARANTEE TRUST LIFE INSURANCE CO. | $90K | — | $90K | 19.50% |
| COVENANT ADMINISTRATORS LLC5 Filed as: COVENANT ADMINISTRATORS | 2810 PREMIERE PARKWAY, STE 400 DULUTH, GA 30097 | GUARANTEE TRUST LIFE INSURANCE CO. | — | $30K | $30K | 6.64% |
| SURETY UNDERWRITERS LLC0 Filed as: SURETY UNDEWRITERS | 132 CHARLESTON LANE MADISON, MS 39110 | GUARANTEE TRUST LIFE INSURANCE CO. | — | $15K | $15K | 3.31% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DRIVE MT. PLEASANT, SC 29464 | GUARANTEE TRUST LIFE INSURANCE CO. | — | $15K | $15K | 3.18% |
| VANTAGE AMERICA SOLUTIONS0 | 1275 MILWAUKEE AVE GLENVIEW, IL 60025 | GUARANTEE TRUST LIFE INSURANCE CO. | — | $3K | $3K | 0.74% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GUARANTEE TRUST LIFE INSURANCE CO. | $2K | — | $2K | 0.50% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 10.00% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 285 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | 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 | 526 | $2.2M |
| Dental | UNION SECURITY INSURANCE COMPANY | 261 | $60K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 526 | $1.7M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 526 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.