| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $57K | $67K | 4.57% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | ACE AMERICAN INSURANCE CO | $17K | — | $17K | 7.69% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE CO | $10K | — | $10K | 4.62% |
| COVENANT ADMINISTRATORS LLC Filed as: COVENANT ADMINISTRATORS, LLC | 2810 PREMIERE PKWY., STE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE CO | — | $10K | $10K | 4.62% |
| SURETY MARKETING & CONSULTING | 246 RIVER OAK DR. MT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE CO | — | $9K | $9K | 3.85% |
| PHILLIP BRANDON KELLEY3 | 5473 SCOUT CREEK DR HOOVER, AL 35244 | ACE AMERICAN INSURANCE CO | $5K | — | $5K | 2.31% |
| LBA SERVICE LLC5 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE CO | $2K | — | $2K | 0.77% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE AND ACCIDENT INSURANCE CO | $17K | $2K | $19K | 21.07% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| PREMIER WORKSITE SOLUTIONS INC5 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 W 110TH ST. STE 320 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.52% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| PREMIER WORKSITE SOLUTIONS INC5 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 W 110TH ST. STE 320 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.96% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| PREMIER WORKSITE SOLUTIONS INC5 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 W 110TH ST. STE 320 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.55% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.97% |
| ASSURANCE AGENCY LTD Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE CO | $28K | — | $28K | 79.30% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $1K | — | $1K | 3.80% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| PREMIER WORKSITE SOLUTIONS INC5 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 8575 W 110TH ST. STE 320 OVERLAND PARK, KS 66210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 12.69% |
| ASSURANCE AGENCY LTD Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE CO | $13K | — | $13K | 80.59% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $752 | — | $752 | 4.52% |
| ASSURANCE AGENCY LTD Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE CO | $8K | — | $8K | 58.67% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $264 | — | $264 | 1.99% |
| ASSURANCE AGENCY LTD Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE CO | $7K | — | $7K | 83.30% |
| INSURANCE OFFICE OF AMERICA Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $164 | — | $164 | 1.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $146K |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 607 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 227 | $0 |
| Vision | STANDARD INSURANCE COMPANY | 357 | $41K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE CO | 535 | $182K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE CO | 535 | $182K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE | 216 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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.
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.