| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK HAMBY3 | LLC 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | MORGAN WHITE LIMITED D/B/A MWG BROKER SERVICES | $26K | — | $26K | 14.07% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET S. BIRMINGHAM, AL 35222 | MORGAN WHITE LIMITED D/B/A MWG BROKER SERVICES | $15K | — | $15K | 8.00% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | MORGAN WHITE LIMITED D/B/A MWG BROKER SERVICES | $10K | — | $10K | 5.41% |
| ALLIANCE ADMINISTRATIVE SERVICES LL3 Filed as: ALLIANCE ADMINISTRATIVE SERVICES,LL | 700 37TH STREET SHOUTH BIRMINGHAM, AL 35222 | MORGAN WHITE LIMITED D/B/A MWG BROKER SERVICES | $2K | — | $2K | 1.32% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE,LLC | 700 37TH STREET SHOUTH BIRMINGHAM, AL 35222 | MORGAN WHITE LIMITED D/B/A MWG BROKER SERVICES | $2K | — | $2K | 1.08% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 15.81% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 15.76% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $1K | — | $1K | 9.16% |
| IMA, INC.3 Filed as: IMA, INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $102 | — | $102 | 0.86% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 110 | $1.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 110 | $1.8M |
| Vision | VISION SERVICE PLAN | 85 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 120 | $87K |
| Long-term disability | STANDARD INSURANCE COMPANY | 120 | $148K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 110 | $1.8M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 120 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.