| 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 | $20K | — | $20K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $8K | — | $8K | 5.50% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | CHUBB/ACE AMERICAN INSURANCE COMPANY | $706 | — | $706 | 0.50% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 15.00% |
| THE PRIESTLEY COMPANY3 | 3100 SUNVIEW DR STE 100 BIRMINGHAM, AL 35243 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 9.95% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| JOSHUA B PRIESTLEY3 | THE PRIESTLEY COMPANY 3500 BLUE LAKE DRIVE, SUITE 280 BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 4.99% |
| MIKE A PRIESTLEY3 | THE PRIESTLEY COMPANY 3500 BLUE LAKE DRIVE, SUITE 280 BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 4.99% |
| MICHELLE L BENNETT3 | 1060 WINCHESTER ROAD HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.78% |
| RANDY L BENNETT3 | 196 RITHAS WAY HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.67% |
| 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 | $3K | — | $3K | 15.00% |
| RANDY L BENNETT3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $369 | — | $369 | 4.66% |
| MICHELLE L BENNETT3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $323 | — | $323 | 4.08% |
| LIFE LINE BENEFIT CONSULTANTS3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $246 | — | $246 | 3.11% |
| EDGAR R LEHMAN SR.3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $75 | — | $75 | 0.95% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $851 | — | $851 | 15.00% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 198 | 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 | 404 | $1.8M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 320 | $136K |
| Vision | NATIONAL GUARDIAN LIFE | 137 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67 | $61K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $126K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 187 | $1.6M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 427 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.