| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC Filed as: LAKESHORE BENEFIT ALLIANCE | — | EVEREST REINSURANCE COMPANY | $10K | — | $10K | 7.30% |
| SURETY MARKETING Filed as: SURETY MARKETING SERVICES | — | EVEREST REINSURANCE COMPANY | $8K | — | $8K | 6.33% |
| ACI | — | EVEREST REINSURANCE COMPANY | $8K | — | $8K | 6.27% |
| AEGIS GENERAL INSURANCE AGENCY | — | EVEREST REINSURANCE COMPANY | $8K | — | $8K | 5.73% |
| RECURO HEALTH INC Filed as: RECURO WELLVIA | — | EVEREST REINSURANCE COMPANY | $2K | — | $2K | 1.29% |
| LBA SERVICE LLC Filed as: LBA SERVICE | — | EVEREST REINSURANCE COMPANY | $1K | — | $1K | 0.97% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $211 | $7K | 8.11% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.10% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $269 | — | $269 | 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 | 587 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 587 | 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 | 1,038 | $3.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,038 | $3.2M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 386 | $89K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 866 | $15K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 511 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $18K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,038 | $3.2M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,038 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,038 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.