| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANZA & ASSOCIATES LLC3 | 2100 RIVER HAVEN LN SUITE 200 BIRMINGHAM, AL 35244 | GUARDIAN | $10K | — | $10K | 12.14% |
| SOUTHERN WEALTH STRATEGIES LLC3 | 1500 A GAULT AVE N FORT PAYNE, AL 35967 | GUARDIAN | $4K | — | $4K | 4.76% |
| SOUTHERN WEALTH STRATEGIES LLC3 | 1500 A GAULT AVE NORTH STE A FORT PAYNE, AL 35967 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.96% |
| LANZA & ASSOCIATES LLC3 | 300 CAHABA PARK CIR # 133 BIRMINGHAM, AL 35242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.43% |
| THE PRIESTLEY COMPANY3 | 3500 BLUELAKE DR STE 380 BIRMINGHAM, AL 35242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $454 | — | $454 | 1.04% |
| STEPHEN WAYNE WALKER3 Filed as: STEPHEN CHARLES LANZA | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AK 35243 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.75% |
| SOUTHERN WEALTH STRATEGIES LLC3 | 1500 GAULT AVE N STE A FORT PAYNE, AL 35967 | PRINCIPAL LIFE INSURANCE COMPANY | $788 | — | $788 | 4.86% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $471 | $471 | 2.91% |
| MIKE A PRIESTLEY3 Filed as: MIKE ANTHONY PRIESTLEY | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | PRINCIPAL LIFE INSURANCE COMPANY | $281 | — | $281 | 1.73% |
| TATIANA NEUMAN, LLC3 | 260 GLEN HOLLY DR ROSWELL, GA 30076 | PRINCIPAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.15% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 94 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 100 | $101K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $44K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 94 | $1.4M |
| Other | GUARDIAN | 100 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.