| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR, LLC3 | P.O. BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | $20K | — | $20K | 10.72% |
| ABE SMITH, INC.3 Filed as: ABE SMITH INC. | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $17K | — | $17K | 9.29% |
| RALPH M HARBUCK, JR3 Filed as: RALPH HARBUCK JR | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $17K | — | $17K | 9.29% |
| RESOLUTION REINSURANCE3 Filed as: RESOLUTION REINSURANCE INTERMEDIARI | 4408 FOREST DR, STE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | — | $14K | $14K | 7.81% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | NATIONWIDE INSURANCE | $13K | — | $13K | 7.14% |
| LBA SERVICE LLC3 Filed as: LBA SERVICES LLC | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | NATIONWIDE INSURANCE | $3K | — | $3K | 1.43% |
| ALAN WOOD3 | 1346 INDIAN CREST DRIVE INDIAN SPRINGS, AL 35124 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $15K | — | $15K | 11.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 729 DALLAS AVE SELMA, AL 36702 | AMERICAN UNITED LIFE INSURANCE | $19K | $5K | $24K | 18.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 729 DALLAS AVE SELMA, AL 36702 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 9.98% |
| VALENT GROUP3 Filed as: VALENT GROUP INC | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.56% |
| PRESTON ROBERTSON ENTERPRISES INC3 Filed as: PRESTON ROBERTSON | 11659 BERRY HILL DR NORTHPORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $894 | — | $894 | 2.97% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $483 | $67 | $550 | 1.83% |
| AIMEE STONE3 | 2317 GARLAND DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $380 | $58 | $438 | 1.46% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $52 | $134 | 0.45% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $33 | $133 | 0.44% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWENS X RD, AL 35763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.30% |
| KELLIE WELLS3 | 9576 COLUMBUS AVE FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.15% |
| ROBERT GENE RAMSAY3 | 1836 HARRISON DR GARDENDALE, AL 35071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| SUSAN J GOODSPEED3 | 2866 BROOKSIDE DRIVE MOBILE, AL 36693 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| DONNIE HILL LLC3 | P O BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING | 441 O'NEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LEWIS BROCK3 | 6051 AIRPORT BLVD MOBILE, AL 36608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KARA HUGHES PARDUE3 | 3769 N WOODRIDGE RD MOUNTAIN BROOK, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| REEVES, RANDY3 Filed as: THE REEVES AGENCY INC | P.O. BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MINOR AND ASSOCIATES INC3 Filed as: MINOR & ASSOCIATES | 4626 STARBOARD LANE AUBURN, AL 36879 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC | P O BOX 11407, DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $445 | — | $445 | 10.01% |
| UTIC INSURANCE COMPANY3 Filed as: UTIC -DAVID CLAYTON | 450 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | USABLE LIFE | $193 | — | $193 | 4.34% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: ELLEN KEITH - C/O BCBS | 420 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | USABLE LIFE | $91 | — | $91 | 2.05% |
| SAMUEL J REYNOLDS3 Filed as: SAMUEL REYNOLDS | 1400 JACK WARNER PKWY - STATION #40 TUSCALOOSA, AL 35404 | USABLE LIFE | $91 | — | $91 | 2.05% |
| WILLIAM GRANT BRUNER3 Filed as: WILLIAM BRUNER | 812 HICKORY TRACE CIRCLE BIRMINGHAM, AL 35244 | USABLE LIFE | $44 | — | $44 | 0.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 OTHER SERVICES | Contract Administrator; Claims processing Service code 12 | — | $12K |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 210 | $1.4M |
| Dental | SOUTHLAND NATIONAL INSURANCE CORPORATION | 249 | $127K |
| Vision | NATIONAL GUARDIAN LIFE | 242 | $34K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE | 268 | $159K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $30K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE | 268 | $125K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 210 | $1.2M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 210 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
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.