| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STARKE LIFE AGENCY INC3 Filed as: STARKE AGENCY INC | 210 COMMERCE ST MONTGOMERY, AL 36104 | SHELTERPOINT INSURANCE | $37K | — | $37K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SHELTERPOINT INSURANCE | $19K | — | $19K | 7.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 414 MEADOWBROOK LN BIRMINGHAM, AL 35213 | SHELTERPOINT INSURANCE | $3K | — | $3K | 1.00% |
| THE STARKE LIFE AGENCY INC3 Filed as: STARKE AGENCY INC | PO BOX 4359 MONTGOMERY, AL 36103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 13.83% |
| THE STARKE LIFE AGENCY INC3 | PO BOX 4359 MONTGOMERY, AL 361034359 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 15.18% |
| THE STARKE LIFE AGENCY INC3 | PO BOX 4359 MONTGOMERY, AL 361034359 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 22.49% |
| THE STARKE LIFE AGENCY INC3 | PO BOX 4359 MONTGOMERY, AL 361034359 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 22.03% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 219 | $1.6M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 433 | $321K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 219 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 433 | $321K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 433 | $321K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 433 | $321K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 156 | $1.3M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 433 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.