| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PRIESTLEY COMPANY3 Filed as: PRIESTLEY COMPANY | 3500 BLUE LAKE DR SUITE 280 BIRMINGHAM, AL 35243 | AXIS INSURANCE CO | $54K | — | $54K | 12.82% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH ST S BIRMINGHAM, AL 35222 | AXIS INSURANCE CO | $27K | — | $27K | 6.38% |
| ADMINISTRATIVE CONCEPTS INC3 Filed as: ADMINISTRATIVE CONCEPTS, INC | PO BOX 4000 COLLEGEVILLE, PA 19426 | AXIS INSURANCE CO | $22K | — | $22K | 5.16% |
| SURETY MARKETING & CONSULTING3 | SERVICES, LLC 246 RIVER OAK DRIVE MT PLEASANT, SC 29464 | AXIS INSURANCE CO | $21K | — | $21K | 4.93% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 700 37TH ST S BIRMINGHAM, AL 35222 | AXIS INSURANCE CO | $4K | — | $4K | 0.99% |
| COMPETITIVE HEALTH - TELEMED3 | 309 N WASHINGTON AVE SUITE 13 BRYAN, TX 77803 | AXIS INSURANCE CO | $3K | — | $3K | 0.70% |
| THE PRIESTLEY COMPANY3 Filed as: THE PRIESTLEY CO- BIRMINGHAM AL | 3500 BLUE LAKE DRIVE SUITE 280 BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 16.56% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 16.40% |
| RANDY L BENNETT3 | 196 RITHAS WAY HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.30% |
| MICHELLE L BENNETT3 | 1060 WINCHESTER ROAD HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.31% |
| LIFE LINE BENEFIT CONSULTANTS3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 11.11% |
| MICHELLE L BENNETT3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $848 | — | $848 | 6.94% |
| RANDY L BENNETT3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $417 | — | $417 | 3.41% |
| EDGAR R LEHMAN SR.3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $58 | — | $58 | 0.47% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $804 | — | $804 | 16.50% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 177 | $1.7M |
| Dental(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 169 | $165K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 169 | $139K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $56K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 93 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $110K |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 177 | $1.7M |
| Other(6 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 412 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.