| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DRIVE, STE 280 BIRMINGHAM, AL 35243 | SOUTHLAND NATIONAL INSURANCE | $7K | — | $7K | 5.12% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DRIVE, STE 280 BIRMINGHAM, AL 35243 | MADISON NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 14.00% |
| ASSUREDPARTNERS3 Filed as: LAKESHORE BEENFIT ALLIANCE | 700 - 37 STREET SOUTH BIRMINGHAM, AL 35222 | MADISON NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 700 - 37 STREET SOUTH BIRMINGHAM, AL 35222 | MADISON NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| AMERICOMP BENEFITS5 | P.O. BOX 4319 COLUMBUS, GA 31914 | AMERICOMP BENEFITS | — | $2K | $2K | 3.79% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DRIVE, STE 280 BIRMINGHAM, AL 35243 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $5K | — | $5K | 14.00% |
| COVENANT ADMINISTRATORS LLC5 Filed as: COVENANT ADMINISTRATORS, LLC | 2810 PREMIERE PKWY, STE 400 DULUTH, GA 30097 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $2K | $2K | 6.12% |
| ASSUREDPARTNERS3 Filed as: LAKESHORE BEENFIT ALLIANCE | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $2K | — | $2K | 5.50% |
| SURETY UNDERWRITERS LLC0 Filed as: SURETY UNDERWRITERS, LLC | 132 CHARLESTON LANE MADISON, MS 39110 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $2K | $2K | 4.11% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DRIVE MT. PLEASANT, SC 29464 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $2K | $2K | 3.89% |
| VANTAGE AMERICA SOLUTIONS0 | 1275 MILWAUKEE AVENUE GLENVIEW, IL 60025 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $262 | $262 | 0.68% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $193 | — | $193 | 0.50% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DRIVE, STE 280 BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 5.08% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD | 234 | $783K |
| Dental | SOUTHLAND NATIONAL INSURANCE | 101 | $141K |
| Vision | NATIONAL GUARDIAN LIFE | 87 | $30K |
| Other | AMERICOMP BENEFITS | 37 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.