| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | OPTIMED - MARKEL INSURANCE COMPANY | $73K | — | $73K | 14.02% |
| DONALD GLENN3 | 2455 FAIRWAY DR MOUNTAIN ROCK, AL 35213 | OPTIMED - MARKEL INSURANCE COMPANY | $39K | — | $39K | 7.51% |
| NEVAEH INSURANCE SOLUTIONS3 | 5528 VALENCIA PARK BLVD HILLIARD, OH 43026 | OPTIMED - MARKEL INSURANCE COMPANY | $16K | — | $16K | 3.00% |
| LBA SERVICE LLC3 | 414 MADOWBROOK LANE BIRMINGHAM, AL 35213 | OPTIMED - MARKEL INSURANCE COMPANY | $3K | — | $3K | 0.50% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $31K | $2K | $33K | 16.11% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $22K | $2K | $24K | 16.29% |
| GLENN H DONALD JR3 Filed as: GLENN DONALD, JR | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $60 | $5K | 4.45% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $60 | $5K | 4.45% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $14K | $1K | $15K | 16.33% |
| JT BENEFITS LLC3 | 262 YEAGER PKWY PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 1.79% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 1.24% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.39% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.33% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.30% |
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 | 285 | 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) | 285 | 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 | 538 | $3.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 435 | $110K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 435 | $110K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 248 | $212K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 248 | $98K |
| Long-term disability | STANDARD INSURANCE COMPANY | 248 | $148K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 518 | $3.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 518 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.