| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONWIDE INSURANCE6 | ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 | NATIONWIDE INSURANCE COMPANY | $211K | — | $211K | 68.65% |
| GILSBAR, LLC3 | P.O. BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE COMPANY | $23K | — | $23K | 7.36% |
| ABE SMITH, INC.3 Filed as: ABE SMITH INC. | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE COMPANY | $20K | — | $20K | 6.38% |
| RALPH M HARBUCK, JR3 Filed as: RALPH MAXWELL HARBUCK, JR. | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE COMPANY | $20K | — | $20K | 6.38% |
| ACCURISK SOLUTIONS, LLC3 | 10 SOUTH LASALLE ST CHICAGO, IL 60603 | NATIONWIDE INSURANCE COMPANY | $16K | — | $16K | 5.35% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | NATIONWIDE INSURANCE COMPANY | $15K | — | $15K | 4.90% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | NATIONWIDE INSURANCE COMPANY | $3K | — | $3K | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5420 LBJ FREEWAY, STE 400 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 3.97% |
| ENROLLMENT ALLIANCE LLC5 Filed as: ENROLLMENT ALLIANCE, LLC | 1724 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 3.53% |
| ALAN WOOD3 | 215 KINGS CREST LANE PELHAM, AL 35124 | CANOPY INSURANCE CORP | $18K | — | $18K | 11.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 729 DALLAS AVE SELMA, AL 36702 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 6.93% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $710 | — | $710 | 3.72% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | — | $223 | 1.17% |
| AIMEE STONE3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.90% |
| PRESTON ROBERTSON ENTERPRISES INC3 Filed as: PRESTON ROBERTSON ENTERPRISES | 11659 BERRY HILL DR NORTHPORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.25% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.24% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.17% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.17% |
| SUSAN J GOODSPEED3 | 2866 BROOKSIDE DRIVE MOBILE, AL 36696 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| ROBERT GENE RAMSAY3 | 1836 HARRISON DRIVE GARDENDALE, AL 35071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DKC CONSULTING, INC.3 Filed as: DKC ENTERPRISES LLC | 441 O'NEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LEWIS ASHTON BROCK III3 | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC | P O BOX 11407, DEPT #2142 BIRMINGHAM, AL 35246 | USABLE LIFE | $852 | — | $852 | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 729 DALLAS AVE SELMA, AL 36702 | CANOPY INSURANCE CORP | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RECURO HEALTH, INC EIN 86-1571589 OTHER SERVICES | Other services Service code 49 | — | $19K |
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 | 325 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 325 | 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 | 256 | $1.8M |
| Dental | CANOPY INSURANCE CORP | 306 | $155K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE | 395 | $24K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $252K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $246K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $227K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 256 | $1.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 326 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.