| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $56K | — | $56K | 9.92% |
| SHOALS INSURANCE GROUP3 | 201 S COURT STREET, SUITE 310 FLORENCE, AL 35630 | ACE AMERICAN INSURANCE COMPANY | $41K | — | $41K | 7.17% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PKWY, SUITE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE COMPANY | — | $38K | $38K | 6.64% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DRIVE STE 400 MT. PLEASANT, SC 29464 | ACE AMERICAN INSURANCE COMPANY | — | $31K | $31K | 5.51% |
| CLOYCE FREDERICK FAITH JR3 | 8184 GADSDEN HWY SUITE B TRUSSVILLE, AL 35173 | ACE AMERICAN INSURANCE COMPANY | $22K | — | $22K | 3.86% |
| COMPETITIVE HEALTH INC0 Filed as: COMPETITIVE HEALTH INC. | 300 SPECTRUM CENTER DR SUITE 400 IRVINE, CA 92618 | ACE AMERICAN INSURANCE COMPANY | — | $8K | $8K | 1.40% |
| LBA SERVICE LLC5 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.10% |
| BENEFITS FOR EVERYONE5 Filed as: BENEFITS FOR EVERYONE LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE COMPANY | — | $4K | $4K | 0.70% |
| CLOYCE F. FAITH3 | 3500 COLONNADE PKWY. SUITE 150 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY | $59K | — | $59K | 12.14% |
| SHOALS INSURANCE GROUP3 | 1602 FLORENCE BLVD FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE GROUP | $5K | — | $5K | 20.36% |
| JAMES ZOMBRO3 | 652 COUNTY RD 106 FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE GROUP | $2K | — | $2K | 6.69% |
| CLAYTON B LAWRENCE3 Filed as: CLAYTON B. LAWRENCE | 320 REID ROAD VINA, AL 35593 | CONTINENTAL AMERICAN INSURANCE GROUP | $522 | — | $522 | 2.12% |
| TERRY JOHNSON3 | 2750 CO HWY 72 RED BAY, AL 35582 | CONTINENTAL AMERICAN INSURANCE GROUP | $228 | — | $228 | 0.92% |
| STEVEN LEE MOORE3 | 113 PLANTATION SPRINGS DR FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE GROUP | $143 | — | $143 | 0.58% |
| CHARLES M. WEBB3 | 806 W ALABAMA ST FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE GROUP | $7 | — | $7 | 0.03% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $651 | — | $651 | 2.94% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 2.51% |
| 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 | $117 | — | $117 | 4.08% |
| 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 | $20 | — | $20 | 3.03% |
| 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 | $8 | — | $8 | 2.37% |
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 | 544 | 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) | 544 | 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 | 544 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 502 | $486K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 502 | $486K |
| Life insurance(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 502 | $515K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 502 | $486K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 502 | $486K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 544 | $2.2M |
| Other(8 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 544 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.