| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STARKE LIFE AGENCY INC3 Filed as: STARKE LIFE AGENCY, INC. | 210 COMMERCE ST. MONTGOMERY, AL 361042587 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $30K | — | $30K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $15K | — | $15K | 7.00% |
| LBA SERVICE LLC Filed as: LBA SERVICE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| THE STARKE LIFE AGENCY INC3 | 210 COMMERCE ST MONTGOMERY, AL 361042587 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 15.26% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC | 115 OFFICE PARK DR. BIRMINGHAM, AL 352232421 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.76% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 139 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $140K |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 139 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $140K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $140K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $140K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 139 | $1.0M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 290 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.