| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AK 35222 | FIDELITY SECURITY LIFE | $64K | — | $64K | 15.40% |
| DONALD GLENN3 Filed as: DONALD H. GLENN | 2455 FAIRWAY DRIVE MOUNTAIN ROCK, AL 35213 | FIDELITY SECURITY LIFE | $33K | — | $33K | 7.97% |
| GLENN H DONALD JR3 Filed as: GLENN H DONALD, JR | P.O. BOX 530464 BIRMINGHAM, AL 35253 | SOUTHLAND NATIONAL INSURANCE | $5K | — | $5K | 5.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SOUTHLAND NATIONAL INSURANCE | $5K | — | $5K | 5.00% |
| GLENN H DONALD JR3 Filed as: GLENN H DONALD, JR. | P.O. BOX 530464 BIRMINGHAM, AL 35253 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 5.05% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 5.05% |
| JUSTIN MICHAEL BANKS3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $122 | $413 | 2.22% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $12 | $264 | 1.42% |
| ENID CHANDLER3 | 4736 W NAPOLEON AVENUE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.54% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $12 | $60 | 0.32% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.20% |
| LISA MARIE KLEIN3 | 1509 KINGS ROAD CANTONMENT, FL 32533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.19% |
| KRISTEN BIBLE3 | 2608 NOBLE ROAD RALEIGH, NC 27608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.10% |
| JULIE S PERRY3 Filed as: JULIE S. PERRY | 211 TURNBERRY STREET PORT WENTWORTH, GA 31407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.09% |
| TERESA LYNN BANKS3 | 123 HILLTOP BUSINESS PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.02% |
| GLENN H DONALD JR3 Filed as: GLENN H. DONALD JR. | P.O. BOX 530464 BIRMINGHAM, AL 35253 | UNION SECURITY INSURANCE COMPANY | $720 | — | $720 | 7.50% |
| MURFEE MEADOWS INC3 Filed as: MURFEE MEADOWS INC. | 120 OFFICE PARK DRIVE STE 100 BIRMINGHAM, AL 35223 | UNION SECURITY INSURANCE COMPANY | $720 | — | $720 | 7.50% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 375 | $2.3M |
| Dental | SOUTHLAND NATIONAL INSURANCE | 245 | $95K |
| Vision | NATIONAL GUARDIAN LIFE | 230 | $24K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $19K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $19K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 9 | $10K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 290 | $1.9M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 290 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.