| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATION GROUP3 | UNKNOWN BIRMINGHAM, AL 35243 | BCS INSURANCE COMPANY | $183K | $0 | $183K | 20.15% |
| PLANNED ADMINISTRATORS, INC.3 | UNKNOWN BIRMINGHAM, AL 35243 | BCS INSURANCE COMPANY | $132K | $0 | $132K | 14.50% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $0 | $19K | 13.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFITS ALLIANCE, LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 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% |
| INSURANCE APPLICATION GROUP3 | UNKNOWN BIRMINGHAM, AL 35243 | 4 EVER LIFE INSURANCE COMPANY | $19K | $0 | $19K | 23.00% |
| PLANNED ADMINISTRATORS, INC.3 | UNKNOWN BIRMINGHAM, AL 35243 | 4 EVER LIFE INSURANCE COMPANY | $12K | $0 | $12K | 14.50% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS, INC. | PO BOX 11407 BIRMINGHAM, AL 35246 | USABLE LIFE | $10K | $0 | $10K | 16.26% |
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 | 548 | 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) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BCS INSURANCE COMPANY | 842 | $2.0M |
| Dental(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 842 | $1.8M |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 842 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 548 | $142K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 548 | $81K |
| Long-term disability | USABLE LIFE | 156 | $61K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 200 | $905K |
| Other | USABLE LIFE | 156 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 842 | — |
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.