| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B2B PAYROLL & HR SOLUTIONS3 | 207 JOHNSTON STREET SOUTH EAST SUITE 102 DECATUR, AL 35601 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | — | $33K | 8.13% |
| VELOCITY BENEFITS3 | 113 SULKY SULLIVAN WAY CANTON, GA 30115 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 4.00% |
| LOGAN GREEN3 | 3000 RIVERCHASE GALLERIA SUITE 7 HOOVER, AL 35244 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 3.48% |
| B2B PAYROLL & HR SOLUTIONS3 | 207 JOHNSTON STREET SOUTHEAST DECATUR, AL 35601 | TRANSAMERICA LIFE INSURANCE CO | $10K | — | $10K | 12.54% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO | $9K | — | $9K | 10.48% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA LIFE INSURANCE CO | $8K | — | $8K | 9.02% |
| LOGAN GREEN3 | 1716 MEADOWBROOK DRIVE SOUTHEAST CULLMAN, AL 35055 | TRANSAMERICA LIFE INSURANCE CO | $6K | — | $6K | 6.96% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO | $6K | — | $6K | 6.81% |
| LBA SERVICE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA LIFE INSURANCE CO | $3K | — | $3K | 3.01% |
| SB&W LLC3 | 2629 RESERVE COURT VESTAVIA, AL 35243 | TRANSAMERICA LIFE INSURANCE CO | $1K | — | $1K | 1.55% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 184 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $405K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $405K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $405K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $405K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $405K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 184 | $1.5M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 285 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.