| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PRIESTLEY COMPANY3 Filed as: PRIESTLEY COMPANY, INC | 3500 BLUE LAKE DRIVE STE 280 BIRMINGHAM, AL 35243 | MARKEL INSURANCE COMPANY | $60K | — | $60K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | MARKEL INSURANCE COMPANY | $30K | — | $30K | 7.00% |
| NEVAEH INSURANCE SOLUTIONS3 | 5528 VALENCIA PARK BLVD HILLIARD, OH 43026 | MARKEL INSURANCE COMPANY | $13K | — | $13K | 3.00% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | MARKEL INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 15.00% |
| 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 | $11K | — | $11K | 15.00% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| RANDY L BENNETT3 | 196 RITHAS WAY HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.85% |
| MICHELLE L BENNETT3 | 1060 WINCHESTER ROAD HUNTSVILLE, AL 35811 | TRANSAMERICA LIFE INSURANCE COMPANY | $483 | — | $483 | 2.31% |
| LIFE LINE BENEFIT CONSULTANTS3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $2K | — | $2K | 14.12% |
| MICHELLE L BENNETT3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $230 | — | $230 | 1.96% |
| RANDY L BENNETT3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $150 | — | $150 | 1.28% |
| EDGAR R LEHMAN SR.3 | 1060 WINCHESTER RD HUNTSVILLE, AL 35811 | AMERICAN HERITAGE LIFE | $34 | — | $34 | 0.29% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DR STE 280 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 204 | $1.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 427 | $1.8M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 427 | $135K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 69 | $70K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 98 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $158K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 204 | $1.6M |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 416 | $2.1M |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.