| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PRIESTLEY COMPANY3 Filed as: THE PRIESTLEY COMPANY, INC | 3100 SUNVIEW DR VESTAVIA, AL 35240 | MADISON NATIONAL LIFE INSURANCE COMPANY | $39K | — | $39K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | MADISON NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 7.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 700 37TH ST SOUTH BIRMINGHAM, AL 35222 | MADISON NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| THE PRIESTLEY COMPANY3 Filed as: PRIESTLEY CO | 3100 SUNVIEW DRIVE STE 100 BIRMINGHAM, AL 35243 | HARTFORD LIFE AND ACCIDENT | $34K | — | $34K | 16.43% |
| THE PRIESTLEY COMPANY3 Filed as: THE PRIESTLEY COMPANY, INC. | 3100 SUNVIEW DRIVE SUITE 100 BIRMINGHAM, AL 35243 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 9.89% |
| MICHELLE L BENNETT3 | 1060 WINCHESTER ROAD HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| RANDY L BENNETT3 | 1060 WINCHESTER ROAD HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.72% |
| MICHELLE L BENNETT3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $544 | — | $544 | 7.29% |
| RANDY L BENNETT3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $507 | — | $507 | 6.79% |
| LIFE LINE BENEFIT CONSULTANTS3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $217 | — | $217 | 2.91% |
| EDGAR R LEHMAN SR.3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $97 | — | $97 | 1.30% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 167 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 299 | $134K |
| Vision | HUMANA INSURANCE COMPANY | 124 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 205 | $205K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 205 | $205K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 205 | $205K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 167 | $1.4M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 205 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.