| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | COMPANION LIFE INSURANCE COMPANY | — | $19K | $19K | 7.50% |
| ABE SMITH, INC.3 Filed as: ABE SMITH, INC | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | COMPANION LIFE INSURANCE COMPANY | $19K | — | $19K | 7.50% |
| JOHN E CARTER III3 Filed as: JOHN CARTER | 1101 22ND ST S BIRMINGHAM, AL 35205 | COMPANION LIFE INSURANCE COMPANY | $9K | — | $9K | 3.80% |
| KRIS KNIGHT3 | 420 20TH STREET NORTH BIRMINGHAM, AL 35209 | COMPANION LIFE INSURANCE COMPANY | $9K | — | $9K | 3.70% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | — | $12K | $12K | 5.75% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH ST S BIRMINGHAM, AL 352223206 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $652 | $11K | 5.23% |
| JOHN CAYTON III3 Filed as: JOHN HENRY L. CARTER | 20674 HONEYSUCKLE LN MCCALLA, AL 351112114 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.46% |
| KRISTOPHER ALAN KNIGHT3 | 2037 21ST AVE S BIRMINGHAM, AL 352091347 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.46% |
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 | 370 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 404 | $2.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 457 | $212K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 457 | $212K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 457 | $460K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 370 | $248K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 370 | $248K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 404 | $2.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 404 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.