| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING INC | 441 ONEAL DRIVE HOOVER, AL 35226 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 10.67% |
| FREY & ASSOCIATES3 | 460 COUNTY ROAD 1192 CULLMAN, AL 35057 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.23% |
| FREY & ASSOCIATES3 Filed as: FREY & ASSOCIATES INC | 460 COUNTY ROAD 1192 CULLMAN, AL 35057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 9.01% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.74% |
| DONALD KEITH CLOWERS3 | LAKESHORE BENEFIT ALLIANCE 441 O'NEAL DRIVE HOOVER, AL 35226 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 5.01% |
| CLINT FREY3 | FREY AND ASSOCIATES 460 COUNTY ROAD 1192 CULLMAN, AL 35057 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 5.01% |
| VALENT GROUP3 | — | MDLIVE | $927 | — | $927 | 9.27% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $123K |
| Vision | NATIONAL GUARDIAN LIFE | 239 | $42K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $175K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $175K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.