| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE COMPANY | $40K | — | $40K | 8.99% |
| SHOALS INSURANCE GROUP3 | 2800 WOODWARD AVENUE MUSCLE SHOALS, AL 35661 | ACE AMERICAN INSURANCE COMPANY | $29K | — | $29K | 6.49% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PKWY, SUITE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE COMPANY | — | $26K | $26K | 5.92% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DRIVE MT. PLEASANT, SC 29464 | ACE AMERICAN INSURANCE COMPANY | — | $22K | $22K | 4.93% |
| CLOYCE FREDERICK FAITH JR3 | 8184 GADSDEN HWY SUITE B TRUSSVILLE, AL 35173 | ACE AMERICAN INSURANCE COMPANY | $16K | — | $16K | 3.50% |
| COMPETITIVE HEALTH INC0 Filed as: COMPETITIVE HEALTH INC. | 300 SPECTRUM CENTER DR SUITE 400 IRVINE, CA 92618 | ACE AMERICAN INSURANCE COMPANY | — | $5K | $5K | 1.10% |
| LBA SERVICE LLC5 | 700 3TH STREET SOUTH BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.99% |
| CLOYCE F. FAITH3 | 3500 COLONNADE PKWY. SUITE 150 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY | $44K | — | $44K | 12.11% |
| THE MATHIS-HILL-ROBERTSON AGENCY3 Filed as: THE MATHIS-HILL ROBERTSON AGENCY | 5040 ROSWELL RD ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY | $757 | — | $757 | 0.21% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSWELL RD ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY | $462 | — | $462 | 0.13% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.26% |
| DEALER INS. SERVICES, LLC3 Filed as: DEALER INS SERVICES LLC | 1602 FLORENCE BLVD FLORENCE, AL 35630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.12% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $816 | — | $816 | 8.14% |
| DEALER INS. SERVICES, LLC3 | 1602 FLORENCE BLVD FLORENCE, AL 35630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $289 | — | $289 | 2.88% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $748 | — | $748 | 8.31% |
| DEALER INS. SERVICES, LLC3 Filed as: DEALER INS. SERVICES LLC | 1602 FLORENCE BLVD FLORENCE, AL 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | — | $194 | 2.16% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 1.82% |
| DEALER INSURANCE SERVICES, INC.3 Filed as: DEALER INSURANCE SERVICES LLC | 1602 FLORENCE BLVD FLORENCE, AL 35630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 1.27% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 2.08% |
| DEALER INSURANCE SERVICES, INC.3 Filed as: DEALER INSURANCE SERVICES LLC | 1602 FLORENCE BLVD FLORENCE, AL 35630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 1.98% |
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 | 509 | 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) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 581 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 509 | $364K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 509 | $364K |
| Life insurance(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 509 | $437K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 509 | $364K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 509 | $364K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 581 | $1.6M |
| Other(7 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 581 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.