| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PRIESTLEY COMPANY3 Filed as: PRIESTLEY COMPANY | SUITE 280 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 15.00% |
| IMG5 | — | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $36 | $36 | 0.01% |
| THE PRIESTLEY COMPANY3 Filed as: THE PRIESTLEY COMPANY INC. | 3500 BLUE LAKE DRIVE SUITE 280 BIRMINGHAM, AL 35243 | ACE AMERICAN INSURANCE COMPANY | $13K | — | $13K | 12.92% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 6.51% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PARKWAY SUITE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE COMPANY | — | $6K | $6K | 5.91% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DRIVE MOUNT PLEASANT, SC 29464 | ACE AMERICAN INSURANCE COMPANY | — | $5K | $5K | 4.92% |
| COMPETITIVE HEALTH INC0 Filed as: COMPETITIVE HEALTH | 300 SPECTRUM CENTER DRIVE SUITE 400 IRVINE, CA 92618 | ACE AMERICAN INSURANCE COMPANY | — | $1K | $1K | 1.28% |
| LBA SERVICE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $478 | — | $478 | 0.49% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DRIVE SUITE 280 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 11.46% |
| THE PRIESTLEY COMPANY3 | 3500 BLUE LAKE DRIVE SUITE 280 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.91% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 130 | $1.0M |
| Dental | STANDARD INSURANCE COMPANY | 132 | $84K |
| Vision | STANDARD INSURANCE COMPANY | 119 | $17K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 31 | $242K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 31 | $242K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 130 | $924K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 130 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.