| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LBA SERVICE LLC5 Filed as: LBA CONSULTING LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE | $11K | — | $11K | 6.67% |
| RANDY JONES & ASSOCIATES INC3 | 8600 US HWY 431 ALBERTVILLE, AL 35950 | ACE AMERICAN INSURANCE | $11K | — | $11K | 6.67% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PKWY STE 400 DULUTH, GA 20097 | ACE AMERICAN INSURANCE | — | $10K | $10K | 6.17% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE | $10K | — | $10K | 6.15% |
| SURETY MARKETING & CONSULTING0 | 4246 CLUB COURSE DR N CHARLESTON, SC 29420 | ACE AMERICAN INSURANCE | — | $9K | $9K | 5.13% |
| LBA SERVICE LLC5 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE | $2K | — | $2K | 1.02% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET S BIRMINGHAM, AL 35222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $24K | 18.71% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | 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 | 165 | $1.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 165 | $1.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $126K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $126K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $126K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $126K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 165 | $1.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 165 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.