| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKC CONSULTING, INC.3 Filed as: DKC ENTERPRISES LLC | 441 ONEAL DRIVE HOOVER, AL 35226 | ACE AMERICAN INSURANCE | $12K | — | $12K | 6.46% |
| RAYBURN & ASSOCIATES3 | 3149 BROOK HIGHLAND DRIVE BIRMINGHAM, AL 35242 | ACE AMERICAN INSURANCE | $12K | — | $12K | 6.46% |
| COVENANT ADMINISTRATORS LLC3 | 2810 PREMIERE PKWY STE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE | — | $11K | $11K | 5.98% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE | $11K | — | $11K | 5.96% |
| SURETY MARKETING & CONSULTING0 | 4246 CLUB COURSE DRIVE NORTH CHARLESTON, SC 29420 | ACE AMERICAN INSURANCE | — | $9K | $9K | 4.97% |
| RECURO HEALTH INC0 | 450 N FREEPORT PKWY STE 1200 COPPELL, TX 75019 | ACE AMERICAN INSURANCE | $3K | — | $3K | 1.41% |
| LBA SERVICE LLC5 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE | $2K | — | $2K | 0.99% |
| BENEFITS FOR EVERYONE5 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE | $1K | — | $1K | 0.70% |
| BILL RAYBURN3 | 3149 BROOK HIGHLAND DRIVE BIRMINGHAM, AL 35242 | AMERICAN UNITED LIFE INSURANCE COMPANY | $18K | — | $18K | 16.33% |
| BILLY D. RAYBURN3 | 3149 BROOK HIGHLAND DR BIRMINGHAM, AL 352425827 | STANDARD INSURANCE COMPANY | $144 | — | $144 | 1.00% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 182 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 182 | $910K |
| Vision | STANDARD INSURANCE COMPANY | 87 | $14K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $113K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $113K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $113K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 182 | $910K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 182 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.