| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | GUARDIAN | $11K | $5K | $16K | 8.12% |
| MB FINANCIAL SERVICES INC3 | 800 MARTIN STREET S PELL CITY, AL 35128 | GUARDIAN | $10K | — | $10K | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 10 INVERNESS CENTER PKWY SUITE 400 BIRMINGHAM, AL 35242 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 13.00% |
| ADMINISTRATIVE CONCEPTS INC3 Filed as: ADMINISTRATIVE CONCEPTS INC. | 994 OLD EAGLE SCHOOL RD SUITE 1005 WAYNE, PA 19087 | ACE AMERICAN INSURANCE COMPANY | — | $3K | $3K | 7.00% |
| RESOLUTION REINSURANCE3 | 4408 FOREST DRIVE SUITE 202 COLUMBIA, SC 29206 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.50% |
| PROVIDENCE ADVISORS LLC3 Filed as: PROVIDENCE BENEFITS | 2000 PROVIDENCE PARK SUITE 200 BIRMINGHAM, AL 35242 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | COMPANION LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.50% |
| HOLMES, RICHARD, KIMBROUGH3 | 414 MEADOWBROOK LN BIRMINGHAM, AL 35213 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $824 | — | $824 | 9.30% |
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 | 156 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 184 | $612K |
| Dental | GUARDIAN | 156 | $197K |
| Vision | GUARDIAN | 156 | $197K |
| Life insurance | GUARDIAN | 156 | $197K |
| Long-term disability | GUARDIAN | 156 | $197K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 184 | $536K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 184 | $742K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.