| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PRIESTLEY COMPANY3 Filed as: PRIESTLEY COMPANY, INC | 3500 BLUE LAKE DRIVE SUITE 280 BIRMINGHAM, AL 35243 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $44K | — | $44K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $17K | — | $17K | 5.50% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| THE PRIESTLEY COMPANY3 | 3100 SUNVIEW DR STE 100 BIRMINGHAM, AL 35243 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 10.02% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $3K | $19K | 16.77% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $8K | 17.98% |
| JOSHUA B PRIESTLEY3 | THE PRIESTLEY COMPANY 213 APPLEFORD ROAD HELENA, AL 35080 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 4.98% |
| MIKE A PRIESTLEY3 | THE PRIESTLEY COMPANY 3500 BLUE LAKE DRIVE, SUITE 280 BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 4.98% |
| MICHELLE L BENNETT3 | 1060 WINCHESTER ROAD HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.43% |
| RANDY L BENNETT3 | 196 RITHAS WAY HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.43% |
| BRAND SPRAGINS3 | 5255 COUNTY RD 38 JEMISON, AL 35085 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $462 | $3K | 16.31% |
| RANDY L BENNETT3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $567 | — | $567 | 6.59% |
| MICHELLE L BENNETT3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $491 | — | $491 | 5.71% |
| LIFE LINE BENEFIT CONSULTANTS3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $226 | — | $226 | 2.63% |
| EDGAR R LEHMAN SR.3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $91 | — | $91 | 1.06% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $766 | $139 | $905 | 17.72% |
| THE PRIESTLEY COMPANY3 Filed as: PRIESTLEY CO | 3100 SUNVIEW DRIVE STE 100 BIRMINGHAM, AL 35243 | HARTFORD LIFE AND ACCIDENT | -$4 | $2K | $2K | — |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 373 | $1.9M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 319 | $137K |
| Vision | NATIONAL GUARDIAN LIFE | 157 | $26K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 391 | $45K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 245 | $17K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 245 | $112K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 170 | $1.5M |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 391 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.