| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANNED ADMINISTRATORS, INC.3 | UNKNOWN BIRMINGHAM, AL 35243 | BCS INSURANCE COMPANY | $0 | $121K | $121K | 15.73% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN BIRMINGHAM, AL 35243 | BCS INSURANCE COMPANY | $33K | $0 | $33K | 4.34% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $0 | $17K | 13.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFITS ALLIANCE LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 6.00% |
| SURETY MARKETING & CONSULTING3 Filed as: SURETY MARKETING & CONSULTING SVCS | 4246 CLUB COURSE DRIVE NORTH CHARLESTON, SC 29420 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, INC. | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.00% |
| PLANNED ADMINISTRATORS, INC.3 | UNKNOWN BIRMINGHAM, AL 35243 | 4 EVER LIFE INSURANCE COMPANY | $0 | $11K | $11K | 15.71% |
| INSURANCE APPLICATIONS GROUP3 | UNKNOWN BIRMINGHAM, AL 35243 | 4 EVER LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.11% |
| CRAIG STEVEN SCHAID3 | 9077 SAW TOOTH LOOP PIKE ROAD, AL 36064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $13K | $16K | 30.66% |
| CARLIE ANNE POST3 | 54 HIDDEN VALLEY COURT DEATSVILLE, AL 36022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $8K | $13K | 25.71% |
| PJ SKELTON LLC AND OTHER AGENTS3 | 8163 REDONDA LOOP LAKEWOOD RANCH, FL 34202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $5K | $9K | 17.47% |
| CARSON LEE GABRIEL3 | 1014 ALLISON DRIVE PRATTVILLE, AL 36066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 14.84% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE SOUTH APARTMENT 801 BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 8.84% |
| HOUSEHOLDER LLC3 | 1601 BUENA VISTA BOULEVARD PRATTSVILLE, AL 36067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 6.37% |
| KARA HUGHES PARDUE3 | 623 SOUTHERN WAY SPANISH FORT, AL 36527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $990 | $3K | 6.13% |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 779 | $1.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 779 | $1.8M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 779 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 442 | $119K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 442 | $68K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 176 | $87K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 181 | $1.0M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 107 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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.
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.