| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH ST S BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE | $35K | — | $35K | 21.74% |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PKWY STE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE | — | $11K | $11K | 6.86% |
| SURETY MARKETING & CONSULTING0 | 246 RIVER OAK DR MT PLEASANT, SC 294648292 | ACE AMERICAN INSURANCE | — | $9K | $9K | 5.72% |
| COMPETITIVE HEALTH INC0 Filed as: COMPETITIVE HEALTH INC. | 8605 SANTA MONICA BLVD PMB 78817 WEST HOLLYWOOD, CA 90069 | ACE AMERICAN INSURANCE | $2K | — | $2K | 1.44% |
| LBA SERVICE LLC3 | 700 37TH ST S BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE | $2K | — | $2K | 1.15% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFITS ALLIANCE | 700 37TH ST S BIRMINGHAM, AL 35222 | GUARDIAN LIFE INSURANCE COMPANY | $13K | $4K | $16K | 19.09% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | 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 | 285 | $784K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 285 | $622K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 167 | $86K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 167 | $86K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 167 | $86K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 167 | $86K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 285 | $622K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 285 | $709K |
| 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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.