| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $41K | — | $41K | 19.68% |
| COVENANT ADMINISTRATORS LLC5 Filed as: COVENANT ADMINISTRATORS, LLC | 2810 PREMIERE PKWY, STE. 400 DULUTH, GA 30097 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $14K | $14K | 6.86% |
| SURETY UNDERWRITERS LLC3 Filed as: SURETY UNDERWITERS | 132 CHARLESTON LANE MADISON, MS 39110 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $5K | — | $5K | 2.58% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DRIVE MT. PLEASANT, SC 294648292 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $5K | $5K | 2.47% |
| VANTAGE AMERICA SOLUTIONS3 | 1275 MILWAUKEE AVE GLENVIEW, IL 60025 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $2K | — | $2K | 0.86% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $1K | — | $1K | 0.50% |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 479 | $2.2M |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 479 | $2.0M |
| Other(2 contracts) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 479 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
No prospect flags tripped on this filing.