| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | INDEPENDENCE AMERICAN INSURANCE COMPANY | $50K | — | $50K | 14.50% |
| DONALD GLENN3 Filed as: DONALD H GLENN | 2455 FAIRWAY DR MOUNTAIN ROCK, AL 35213 | INDEPENDENCE AMERICAN INSURANCE COMPANY | $26K | — | $26K | 7.50% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $29K | — | $29K | 14.36% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 14.39% |
| GLENN H DONALD JR3 Filed as: GLENN H DONALD, JR | P.O. BOX 530464 BIRMINGHAM, AL 35253 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $5K | — | $5K | 5.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | SOUTHLAND NATIONAL INSURANCE CORPORATION | $5K | — | $5K | 5.00% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 14.38% |
| GLENN H DONALD JR3 Filed as: GLENN H DONALD, JR. | P.O. BOX 530464 BIRMINGHAM, AL 35253 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 5.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 5.00% |
| JT BENEFITS LLC3 | 123 HILLTOP BUSINESS PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 1.71% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 1.37% |
| JACY D ELMORE3 | 903 MORNING SUN DR BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.36% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.30% |
| LISA MARIE HALL3 | 114 WILDWOOD LANE CROSSETT, AR 71635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.19% |
| ENID CHANDLER3 | 4736 W NAPOLEON AVE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.19% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.16% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.09% |
| MURFEE MEADOWS INC3 | 120 OFFICE PARK DR STE 100 BIRMINGHAM, AL 35223 | SUN LIFE ASSURANCE COMPANY OF CANADA | $507 | — | $507 | 8.12% |
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 | 195 | 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) | 195 | 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 | 438 | $1.9M |
| Dental | SOUTHLAND NATIONAL INSURANCE CORPORATION | 171 | $99K |
| Vision | NATIONAL GUARDIAN LIFE | 164 | $24K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 356 | $218K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 353 | $102K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 356 | $147K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 436 | $1.6M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 436 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.