| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $40K | $29K | $69K | 27.18% |
| THR PREWITT GROUP3 | 2146 HIGHLAND AVE BIRMINGHAM, AL 35205 | AXIS INSURANCE COMPANY | $16K | — | $16K | 6.33% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFITS ALLIANCE | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | AXIS INSURANCE COMPANY | $16K | — | $16K | 6.33% |
| AXIS CAPITAL3 | 10000 AVALON BLVD ALPHARETTA, GA 30009 | AXIS INSURANCE COMPANY | $15K | — | $15K | 6.17% |
| SURETY MARKETING3 | 4346 CLUB COURSE DRIVE N CHARLESON, SC 29420 | AXIS INSURANCE COMPANY | $12K | — | $12K | 4.86% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | AXIS INSURANCE COMPANY | $2K | — | $2K | 0.97% |
| J R PREWITT & ASSOCIATES INC3 Filed as: J R PREWITT AND ASSOCIATES INC | 2146HIGHLAND AVENUE BIRMINGHAM, AL 35205 | EYEMED VISION CARE | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 ADMIN SERVICES | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 12 | — | $22K |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 619 | $3.5M |
| Vision | EYEMED VISION CARE | 532 | $35K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $255K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $255K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 619 | $3.5M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 619 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.