| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFITS3 Filed as: LAKESHORE BENEFIT ALLIANCE & AGENTS | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE | $58K | $0 | $58K | 10.67% |
| COVENANT ADMINISTRATORS LLC3 Filed as: COVENANT ADMINISTRATORS, LLC | 2810 PREMIERE PARKWAY, SUITE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE | $0 | $36K | $36K | 6.69% |
| SURETY MARKETING & CONSULTING3 | 246 RIVER OAK DRIVE MOUNT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE | $0 | $30K | $30K | 5.57% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | ACE AMERICAN INSURANCE | $28K | $0 | $28K | 5.14% |
| SHOALS INSURANCE GROUP3 | 201 SOUTH COURT STREET, SUITE 310 FLORENCE, AL 35630 | ACE AMERICAN INSURANCE | $25K | $0 | $25K | 4.66% |
| CLOYCE FREDERICK FAITH JR3 | 8184 GADSDEN HIGHWAY, SUITE B TRUSSVILLE, AL 35173 | ACE AMERICAN INSURANCE | $14K | $0 | $14K | 2.51% |
| COMPETITIVE HEALTH INC3 Filed as: COMPETITIVE HEALTH, INC. | 8605 SANTA MONICA BOULEVARD PMB 78817 WEST HOLLYWOOD, CA 90069 | ACE AMERICAN INSURANCE | $0 | $8K | $8K | 1.46% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $3K | $41K | 7.72% |
| CLOYCE F. FAITH3 | 3500 COLONNADE PARKWAY SUITE 150 BIRMINGHAM, AL 35243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 4.99% |
| SHOALS INSURANCE GROUP3 | 1602 FLORENCE BOULEVARD FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | $0 | $50K | 52.47% |
| JAMES ZOMBRO3 | 625 COUNTY ROAD, SUITE 106 FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.84% |
| TERRY JOHNSON3 | 2750 COUNTY HIGHWAY 72 RED BAY, AL 35582 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.30% |
| CLAYTON B LAWRENCE3 Filed as: CLAYTON B. LAWRENCE | 3200 REID ROAD VINA, AL 35593 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.49% |
| STEVEN LEE MOORE3 | 113 PLANTATION SPRINGS DRIVE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | $0 | $263 | 0.28% |
| CHARLES M. WEBB3 | 806 WEST ALABAMA STREET FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | $0 | $44 | 0.05% |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 543 | 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 | 564 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 647 | $533K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 647 | $533K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 647 | $629K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 647 | $533K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 647 | $533K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 564 | $2.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 647 | $629K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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."
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.