| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $33K | — | $33K | 19.00% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PKWY STE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE COMPANY | — | $11K | $11K | 6.00% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DR MT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE COMPANY | — | $8K | $8K | 4.50% |
| COMPETITIVE HEALTH INC0 | 300 SPECTRUM CENTER DR STE 400 IRVINE, CA 92618 | ACE AMERICAN INSURANCE COMPANY | — | $2K | $2K | 1.00% |
| LBA SERVICE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $875 | — | $875 | 0.50% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.29% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | 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 | 109 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $71K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $71K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $71K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 14 | $983K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 283 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.