| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 5.92% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | MARKEL INSURANCE COMPANY | $86K | — | $86K | 14.00% |
| DAVID J MCCLELLAN Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | MARKEL INSURANCE COMPANY | $43K | — | $43K | 7.00% |
| NEVAEH INSURANCE SOLUTIONS3 | 5528 VALENCIA PARK BLVD HILLARD, OH 43026 | MARKEL INSURANCE COMPANY | $18K | — | $18K | 3.00% |
| KBA SERVICE LLC3 | 414 MEADOWBROOK LN BIRMINGHAM, AL 35213 | MARKEL INSURANCE COMPANY | $6K | — | $6K | 1.00% |
| MY ADVISOR INC3 | 2121 1ST AVE N STE 201 BIRMINGHAM, AL 352034237 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 7.82% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $6K | $32K | 16.98% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $12K | 15.38% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $689 | $2K | $3K | 4.41% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 14.56% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $512 | $100 | $612 | 12.27% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 50.00% |
| LAKESHORE BENEFIT ALLIANCE RICK HOL3 | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 50.00% |
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 | 689 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 281 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 689 | $372K |
| Vision(2 contracts, 2 carriers) | MARKEL INSURANCE COMPANY | 366 | $619K |
| Life insurance(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $1.2M |
| Short-term disability(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $795K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 281 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.