| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID J MCCLELLAN4 Filed as: DAVID LYON | TWO NORTH 20TH ST, STE 1500 BIRMINGHAM, AL 352034237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 6.01% |
| LAKESHORE BENEFIT ALLIANCE LLC4 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $68K | — | $68K | 11.89% |
| GILSBAR, LLC4 | P.O. BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | $43K | — | $43K | 7.55% |
| DAVID J MCCLELLAN4 Filed as: DAVID LYON | 3604 WESTBURY RD BIRMINGHAM, AL 35223 | NATIONWIDE INSURANCE | $37K | — | $37K | 6.44% |
| RESOLUTION REINSURANCE0 Filed as: RESOLUTION REINSURANCE INTERMEDIARI | 4408 FOREST DRIVE, STE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | $27K | — | $27K | 4.78% |
| MD LIFE, INC3 | 13630 NW 8TH STREET, STE 205 SUNRISE, FL 33325 | NATIONWIDE INSURANCE | $4K | — | $4K | 0.78% |
| LBA SERVICE LLC4 Filed as: LBA SERVICE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $3K | — | $3K | 0.48% |
| MY ADVISOR INC | 2121 1ST AVE N STE 201 BIRMINGHAM, AL 352034237 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 8.31% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 235 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 580 | $278K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $609K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $609K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $609K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 231 | $2.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 235 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.