| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABE SMITH, INC.3 Filed as: ABE SMITH INC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE | $19K | — | $19K | 8.47% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PKWY STE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE | — | $17K | $17K | 7.83% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFITS ALLIANCE LLC | 1510 SMOLIAN PL BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE | $17K | — | $17K | 7.82% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DR MT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE | — | $14K | $14K | 6.51% |
| JOHN E CARTER III3 Filed as: JOHN CARTER | 6611 TRUMAN ALDRICH WEST BLOCTON, AL 35184 | ACE AMERICAN INSURANCE | $9K | — | $9K | 4.24% |
| KRISTOPHER ALAN KNIGHT3 Filed as: KRISTOPHER KNIGHT | 1691 VALLEY AVE APT C BIRMINGHAM, AL 35209 | ACE AMERICAN INSURANCE | $9K | — | $9K | 4.24% |
| LBA SERVICE LLC3 | 1510 SMOLIAN PL BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE | $3K | — | $3K | 1.30% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH ST S BIRMINGHAM, AL 35222 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $468 | $7K | 4.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.61% |
| JOHN CAYTON III3 Filed as: JOHN HENRY L CARTER | 20674 HONEYSUCKLE LN MCCALLA, AL 35111 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $66 | $3K | 2.37% |
| KRISTOPHER ALAN KNIGHT3 | 1691 VALLEY AVE APT C BIRMINGHAM, AL 35209 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $66 | $3K | 2.37% |
| TRENT R BOOZER3 | 4169 HIGHLANDS CIRCLE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $1K | $12K | 12.60% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 8.00% |
| TODD ALAN BOOZER3 | 4213 OLD LEEDS LANE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.24% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $284 | $3K | 2.79% |
| JACK BARNES JR3 | PO BOX 399 RIVERSIDE, AL 35135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $579 | — | $579 | 0.61% |
| PRESTON ROBERTSON ENTERPRISES INC3 | 11659 BERRY HILL DR NORTH PORT, AL 35475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $459 | — | $459 | 0.48% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 0.27% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.14% |
| DKC CONSULTING, INC.3 Filed as: DKC ENTERPRISES LLC | 441 O'NEAL DR HOOVER, AL 35226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.07% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.06% |
| BENEFIT CONSULTANTS INC3 | 1753 MURRAY HILL RD VESTAVIA, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.03% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | 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 | 128 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $143K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $143K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $238K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 128 | $1.0M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 128 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.