| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LBA SERVICE LLC3 Filed as: LBA CONSULTING LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.50% |
| RANDY JONES & ASSOCIATES INC3 | 8600 US HIGHWAY 431 ALBERTVILLE, AL 35950 | ACE AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.50% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.00% |
| COVENANT ADMINISTRATORS LLC5 Filed as: COVENANT ADMINISTRATORS INC | 2810 PREMIERE PKWY STE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE COMPANY | — | $9K | $9K | 6.00% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DR MT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| LBA SERVICE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $3K | $14K | 13.83% |
| ROBERT H STONE SR3 | 3604 COVENTRY CR VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $2K | $13K | 12.37% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $242 | $4K | 3.77% |
| AIMEE STONE3 | 3604 COVENTRY CR VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $677 | $3K | 2.76% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $497 | — | $497 | 0.48% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $5 | $420 | 0.40% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 0.29% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | — | $215 | 0.21% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | — | $209 | 0.20% |
| TAMARA ANN BUSCHER3 | 1318 S WINTERBROOK OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $29 | $138 | 0.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD DULUTH, GA 30096 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.09% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.03% |
| RON BOWLING3 | 8575 W 110TH ST OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $6 | $22 | 0.02% |
| BURTON M HERRING JR3 | 922 OLD FEDERAL RD SHORTER, AL 36075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| PREMIER WORKSITE SOLUTIONS, LL3 | 8575 W 110TH ST SUITE 320 OVERLAND PARK, KS 66210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.63% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 108 | 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 | 160 | $958K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $85K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $85K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 133 | $189K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $85K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 160 | $817K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 160 | $902K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.