| 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 | $40K | — | $40K | 18.38% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PKWY STE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE COMPANY | — | $13K | $13K | 6.00% |
| COMPETITIVE HEALTH INC0 | 300 SPECTRUM CENTER DR STE 400 IRVINE, CA 92618 | ACE AMERICAN INSURANCE COMPANY | — | $3K | $3K | 1.20% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DR MT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE COMPANY | — | $2K | $2K | 0.70% |
| LBA SERVICE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.50% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | GUARDIAN LIFE INSURANCE COMPANY | — | $10K | $10K | 10.22% |
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 | 264 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 121 | $215K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 26 | $102K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 26 | $102K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 26 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.