| 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 | $11K | $51K | $62K | 3.61% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | ACE AMERICAN INSURANCE CO | $20K | — | $20K | 8.51% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE CO | $12K | — | $12K | 5.10% |
| COVENANT ADMINISTRATORS LLC0 Filed as: COVENANT ADMINISTRATORS, LLC | 2810 PREMIERE PKWY., STE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE CO | — | $12K | $12K | 5.10% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DR. MT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE CO | — | $10K | $10K | 4.26% |
| PHILLIP BRANDON KELLEY3 | 5473 SCOUT CREEK DR HOOVER, AL 35244 | ACE AMERICAN INSURANCE CO | $6K | — | $6K | 2.55% |
| LBA SERVICE LLC5 Filed as: LBA CONSULTING LLC | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE CO | $2K | — | $2K | 0.85% |
| INSURANCE OFFICE OF AMERICA5 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $5K | — | $5K | 3.79% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE CO | $4K | — | $4K | 2.67% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE CO | $5K | — | $5K | 5.87% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $4K | — | $4K | 4.47% |
| 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 | 12.10% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.46% |
| 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 | 3.69% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.90% |
| 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 | $8K | — | $8K | 11.33% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.45% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| 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 | 2.34% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE CO | $4K | — | $4K | 5.67% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $1K | — | $1K | 1.99% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4350 LA JOLLA VILLAGE DR STE 900 SAN DIEGO, CA 92112 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| 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 | $5K | — | $5K | 11.25% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 8.26% |
| 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 | 6.58% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 3535 GRANDVIEW PKWY STE 400 BIRMINGHAM, AL 35243 | AMERICAN FIDELITY ASSURANCE CO | $712 | — | $712 | 2.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE CO | $277 | — | $277 | 0.78% |
| 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 | $3K | — | $3K | 11.05% |
| PAMELA A HARRISON5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.95% |
| 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 | 12.67% |
| 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 | $3K | — | $3K | 11.24% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.11% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $986 | — | $986 | 3.76% |
| 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 | $127K |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 686 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 387 | $0 |
| Vision | STANDARD INSURANCE COMPANY | 369 | $46K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 550 | $93K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 550 | $100K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE | 221 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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.