| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD GLENN3 Filed as: DONALD H. GLENN | 2455 FAIRWAY DRIVE MOUNTAIN ROCK, AL 35213 | FIDELITY SECURITY LIFE | $64K | — | $64K | 14.34% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AK 35222 | FIDELITY SECURITY LIFE | $33K | — | $33K | 7.42% |
| GLENN H DONALD JR3 Filed as: GLENN H DONALD, JR | P.O. BOX 530464 BIRMINGHAM, AL 35253 | SOUTHLAND NATIONAL INSURANCE | $7K | — | $7K | 5.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SOUTHLAND NATIONAL INSURANCE | $7K | — | $7K | 5.00% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| GLENN H DONALD JR3 Filed as: GLENN H DONALD, JR. | P.O. BOX 530464 BIRMINGHAM, AL 35253 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 4.85% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 4.85% |
| JUSTIN MICHAEL BANKS3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $421 | $2K | 7.50% |
| JT BENEFITS LLC3 | 123 HILLTOP BUSINESS PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $757 | $450 | $1K | 5.90% |
| JACY D ELMORE3 | 903 MORNING SUN DRIVE BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $854 | $178 | $1K | 5.04% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $457 | $127 | $584 | 2.85% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $193 | $327 | 1.60% |
| TERESA LYNN BANKS3 | 123 HILLTOP BUSINESS PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $92 | $243 | 1.19% |
| ENID CHANDLER3 | 4736 W NAPOLEON AVE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.53% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.13% |
| LISA MARIE KLEIN3 | 1509 KINGS ROAD CANTONMENT, FL 32533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.11% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.10% |
| JULIE S PERRY3 Filed as: JULIE S. PERRY | 211 TURNBERRY STREET PORT WENTWORTH, GA 31407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.07% |
| GLENN H DONALD JR3 | P.O. BOX 530464 BIRMINGHAM, AL 35253 | UNION SECURITY INSURANCE COMPANY | $810 | — | $810 | 7.43% |
| MURFEE MEADOWS INC3 | 120 OFFICE PARK DR STE 100 BIRMINGHAM, AL 35223 | UNION SECURITY INSURANCE COMPANY | $810 | — | $810 | 7.43% |
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 | 128 | 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) | 128 | 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 | 594 | $2.3M |
| Dental | SOUTHLAND NATIONAL INSURANCE | 116 | $137K |
| Vision | NATIONAL GUARDIAN LIFE | 150 | $35K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 216 | $143K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 216 | $72K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 216 | $94K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 312 | $1.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 312 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.