| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AK 35222 | FIDELITY SECURITY LIFE | $48K | — | $48K | 14.73% |
| DONALD GLENN3 Filed as: DONALD H. GLENN | 2455 FAIRWAY DRIVE MOUNTAIN ROCK, AL 35213 | FIDELITY SECURITY LIFE | $25K | — | $25K | 7.62% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 13.69% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 13.65% |
| GLENN H DONALD JR3 Filed as: GLENN H DONALD, JR | P.O. BOX 530464 BIRMINGHAM, AL 35253 | SOUTHLAND NATIONAL INSURANCE | $4K | — | $4K | 5.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SOUTHLAND NATIONAL INSURANCE | $4K | — | $4K | 5.00% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 13.65% |
| GLENN H DONALD JR3 Filed as: GLENN H DONALD, JR. | P.O. BOX 530464 BIRMINGHAM, AL 35253 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 4.85% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 4.85% |
| JT BENEFITS LLC3 | 123 HILLTOP BUSINESS PELHAM, AK 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $236 | $820 | 5.67% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $20 | $231 | 1.60% |
| JACY D ELMORE3 | 903 MORNING SUN DR BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $20 | $208 | 1.44% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $24 | $77 | 0.53% |
| ENID CHANDLER3 | 4736 W NAPOLEON AVENUE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.24% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.20% |
| LISA MARIE KLEIN3 | 1509 KINGS RD CANTONMENT, FL 32533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.18% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.15% |
| GLENN H DONALD JR3 Filed as: GLENN H. DONALD JR. | P.O. BOX 530464 BIRMINGHAM, AL 35253 | UNION SECURITY INSURANCE COMPANY | $724 | — | $724 | 7.58% |
| MURFEE MEADOWS INC3 Filed as: MURFEE MEADOWS INC. | 120 OFFICE PARK DRIVE STE 100 BIRMINGHAM, AL 35223 | UNION SECURITY INSURANCE COMPANY | $724 | — | $724 | 7.58% |
| GLENN H DONALD JR3 Filed as: GLENN H DONALD JR. | P.O. BOX 530464 BIRMINGHAM, AL 35253 | UNION SECURITY INSURANCE COMPANY | $317 | — | $317 | 7.50% |
| MURFEE MEADOWS INC3 Filed as: MURFEE MEADOWS, INC. | 120 OFFICE PARK DRIVE STE 100 BIRMINGHAM, AL 35223 | UNION SECURITY INSURANCE COMPANY | $317 | — | $317 | 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 | 148 | 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) | 148 | 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 | 307 | $1.7M |
| Dental | SOUTHLAND NATIONAL INSURANCE | 138 | $86K |
| Vision | NATIONAL GUARDIAN LIFE | 136 | $21K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 238 | $161K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 238 | $73K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 238 | $108K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 148 | $1.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 148 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.