| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR, LLC5 Filed as: GILSBAR INC | PO BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | $14K | — | $14K | 9.79% |
| RESOLUTION REINSURANCE3 Filed as: RESOLUTION REINSURANCE INTERMEDIARI | 4408 FOREST DRIVE SUITE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | — | $9K | $9K | 6.71% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE INC | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $9K | — | $9K | 6.64% |
| ABE SMITH, INC.3 Filed as: ABE SMITH INC | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $2K | — | $2K | 1.75% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $1K | — | $1K | 1.05% |
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DR NORTHPORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.93% |
| JACK BARNES JR3 | PO BOX 399 RIVERSIDE, AL 35135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.56% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $685 | $131 | $816 | 1.17% |
| TODD BOOZER3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $543 | $38 | $581 | 0.83% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | $124 | $393 | 0.56% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $96 | $381 | 0.55% |
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING INC | 441 O'NEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.16% |
| BENEFIT CONSULTANTS INC3 | 2105 VESTIVIA LAKE DR BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | PO BOX 730416 DALLAS, TX 75373 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $525 | $2K | 8.69% |
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 | 202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 202 | 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 | 279 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 202 | $96K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 52 | $70K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 279 | $922K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 279 | $991K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.