| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | OPTIMED - MARKEL INSURANCE COMPANY | $52K | — | $52K | 14.00% |
| DONALD GLENN3 | 2455 FAIRWAY DR MOUNTAIN ROCK, AL 35213 | OPTIMED - MARKEL INSURANCE COMPANY | $28K | — | $28K | 7.50% |
| NEVAEH INSURANCE SOLUTIONS3 | 5528 VALENCIA PARK BLVD HILLIARD, OH 43026 | OPTIMED - MARKEL INSURANCE COMPANY | $11K | — | $11K | 3.00% |
| LBA SERVICE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | OPTIMED - MARKEL INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $38K | $4K | $42K | 17.98% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $32K | $3K | $35K | 17.86% |
| GLENN H DONALD JR3 Filed as: GLENN DONALD, JR | 2455 FAIRWAY DR MOUNTAIN BROOK, AL 35213 | CANOPY INSURANCE CORP | $6K | — | $6K | 5.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | CANOPY INSURANCE CORP | $6K | — | $6K | 5.00% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $20K | $2K | $22K | 17.89% |
| GLENN H DONALD JR3 Filed as: GLENN DONALD, JR | 2455 FAIRWAY DRIVE MOUNTAIN BROOK, AL 35213 | CANOPY INSURANCE CORP | $2K | — | $2K | 5.01% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | CANOPY INSURANCE CORP | $2K | — | $2K | 5.01% |
| JT BENEFITS LLC3 | 262 YEAGER PKWY PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 1.63% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 1.21% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.36% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.34% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.28% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | 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 | 499 | $2.8M |
| Dental | CANOPY INSURANCE CORP | 224 | $124K |
| Vision | CANOPY INSURANCE CORP | 211 | $35K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 426 | $240K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 425 | $129K |
| Long-term disability | STANDARD INSURANCE COMPANY | 426 | $194K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 494 | $2.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 494 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.