| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY, INC | 333 E JEFFERSON ST LOUIS BLVD PLYMOUTH, IN 46563 | GUARDIAN | $140K | — | $140K | 12.56% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | GUARDIAN | $59K | — | $59K | 5.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID SOUTH | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | GUARDIAN | $6K | $2K | $8K | 0.73% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN | $6K | $2K | $8K | 0.71% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $17K | $17K | 17.02% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY, INC | 130 SOUTH MAIN ST SOUTH BEND, IN 46601 | TRANSAMERICA INSURANCE CO. | $10K | — | $10K | 9.90% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO. | $9K | — | $9K | 9.02% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | TRANSAMERICA INSURANCE CO. | $9K | — | $9K | 8.86% |
| LBA SERVICE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 3.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 2.30% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $278 | $278 | 0.27% |
| MURFEE MEADOWS INC3 Filed as: MURFEE MEADOWS | 120 OFFICE PARK DR STE 100 BIRMINGHAM, AL 35223 | TRANSAMERICA INSURANCE CO. | -$9 | — | -$9 | -0.01% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 496 | 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 | 646 | $3.0M |
| Dental | GUARDIAN | 482 | $1.1M |
| Vision | GUARDIAN | 482 | $1.1M |
| Life insurance | GUARDIAN | 482 | $1.1M |
| Long-term disability | GUARDIAN | 482 | $1.1M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 549 | $2.9M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 549 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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.