| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABE SMITH, INC.3 Filed as: ABE SMITH INC | 700 37TH ST S BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE | $20K | — | $20K | 8.54% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PKWY DULUTH, GA 30097 | ACE AMERICAN INSURANCE | — | $18K | $18K | 7.89% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1691 VALLEY AVE APT C 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE | $18K | — | $18K | 7.89% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DR MT PLEASANT, SC 294648292 | ACE AMERICAN INSURANCE | — | $15K | $15K | 6.57% |
| JOHN E CARTER III3 Filed as: JOHN CARTER | 6611 TRUMAN ALDRICH WEST BLOCTON, AL 35184 | ACE AMERICAN INSURANCE | $10K | — | $10K | 4.27% |
| KRISTOPHER ALAN KNIGHT3 Filed as: KRISTOPHER KNIGHT | 1691 VALLEY AVE APT C BIRMINGHAM, AL 35209 | ACE AMERICAN INSURANCE | $10K | — | $10K | 4.27% |
| LBA SERVICE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE | $3K | — | $3K | 1.31% |
| JACK BARNES JR3 | PO BOX 399 RIVERSIDE, AL 35135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $863 | — | $863 | 1.42% |
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DR NORTH PORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $777 | — | $777 | 1.28% |
| TODD BOOZER3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $392 | — | $392 | 0.65% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | — | $375 | 0.62% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HWY 31 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 0.32% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.14% |
| DKC CONSULTING, INC.3 Filed as: DKC ENTERPRISES | 441 ONEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.10% |
| BENEFIT CONSULTANTS INC3 | 2105 VESTIVIA LAKE DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.07% |
| DKC CONSULTING, INC.3 Filed as: DKC CONSULTING INC | 441 ONEAL DR HOOVER, AL 35226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 730416 DALLAS, TX 753730416 | PRINCIPAL LIFE INSURANCE COMPANY | $70 | $1K | $1K | 3.89% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH ST S BIRMINGHAM, AL 35222 | PRINCIPAL LIFE INSURANCE COMPANY | $942 | $118 | $1K | 3.59% |
| JOHN CAYTON III3 Filed as: JOHN HENRY L CARTER | 20674 HONEYSUCKLE LN MCCALLA, AL 35111 | PRINCIPAL LIFE INSURANCE COMPANY | $509 | $59 | $568 | 1.92% |
| KRISTOPHER ALAN KNIGHT3 | 1691 VALLEY AVE APT C BIRMINGHAM, AL 352091223 | PRINCIPAL LIFE INSURANCE COMPANY | $509 | $59 | $568 | 1.92% |
| ABE SMITH, INC.3 Filed as: ABE SMITH INC | 700 37TH ST S BIRMINGHAM, AL 352223206 | PRINCIPAL LIFE INSURANCE COMPANY | $75 | — | $75 | 0.25% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 231 | $1.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 231 | $936K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $30K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 219 | $90K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $61K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 231 | $936K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 231 | $996K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.