| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAMS FINANCIAL3 Filed as: WILLIAMS FINANCIAL, INC. | 3756 VALLEY HEAD ROAD BIRMINGHAM, AL 35223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 12.69% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 5.07% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SHELTERPOINT INSURANCE | $24K | $0 | $24K | 14.00% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | 7115 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | SHELTERPOINT INSURANCE | $12K | $0 | $12K | 7.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SHELTERPOINT INSURANCE | $2K | $0 | $2K | 1.00% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SHELTERPOINT INSURANCE | 193 | $171K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $313K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $313K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $313K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $313K |
| Prescription drug | SHELTERPOINT INSURANCE | 193 | $171K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.