| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | MEDICAL MUTUAL INSURANCE COMPANY | $52K | — | $52K | 14.39% |
| J R PREWITT & ASSOCIATES INC3 Filed as: J R PREWITT AND ASSOC | 2146 HIGHLAND AVE BIRMINGHAM, AL 35205 | MEDICAL MUTUAL INSURANCE COMPANY | $25K | — | $25K | 6.95% |
| FIDELITY SECURITY LIFE INSURANCE CO5 Filed as: FIDELITY SECURITY LIFE | 3130 BROADWAY KANSAS CITY, MO 64111 | MEDICAL MUTUAL INSURANCE COMPANY | — | $14K | $14K | 3.97% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE INC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | MEDICAL MUTUAL INSURANCE COMPANY | $5K | — | $5K | 1.49% |
| J R PREWITT & ASSOCIATES INC3 Filed as: J R PREWITT AND ASSOC | P O BOX 55088 BIRMINGHAM, AL 35255 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 15.53% |
| J R PREWITT & ASSOCIATES INC3 Filed as: J R PREWITT AND ASSOCIATES INC | 2146HIGHLAND AVENUE BIRMINGHAM, AL 35205 | EYEMED VISION CARE | $3K | — | $3K | 9.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 ADMIN SERVICES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Claims processing; Contract Administrator Service code 12 | — | $21K |
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 | 330 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 651 | $2.9M |
| Vision | EYEMED VISION CARE | 546 | $31K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $181K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $181K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 651 | $2.9M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 651 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.