| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKC CONSULTING, INC.3 Filed as: DKC ENTERPRISES, LLC | 441 O'NEAL DRIVE HOOVER, AL 35226 | ZURICH AMERICAN INSURANCE CO. | $27K | — | $27K | 10.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ZURICH AMERICAN INSURANCE CO. | $25K | — | $25K | 9.00% |
| SURETY MARKETING & CONSULTING3 Filed as: SURETY MARKETING & CONSULTING SRVC | 4246 CLUB COURSE DRIVE NORTH CHARLESTON, SC 29420 | ZURICH AMERICAN INSURANCE CO. | $14K | — | $14K | 5.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35216 | ZURICH AMERICAN INSURANCE CO. | $3K | — | $3K | 1.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH ST S BIRMINGHAM, AL 35222 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 6.75% |
| DKC CONSULTING, INC.3 Filed as: DKC ENTERPRISES LLC | 441 ONEAL DR HOOVER, AL 35226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 6.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.73% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $12 | $12 | 0.01% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 9.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 114 W WALNUT STREET KOKOMO, IN 46901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.47% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | 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 | 244 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $138K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $138K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 357 | $325K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 357 | $325K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $138K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 244 | $1.2M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 357 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.