| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC Filed as: LAKESHORE BENEFIT ALLIANCE | — | AXIS INSURANCE CO | $24K | — | $24K | 5.89% |
| ACI Filed as: ACI COMMISSIONS | — | AXIS INSURANCE CO | $20K | — | $20K | 4.92% |
| SURETY MARKETING Filed as: SURETY MARKETING SERVICES | — | AXIS INSURANCE CO | $20K | — | $20K | 4.91% |
| LBA SERVICE LLC Filed as: LBA SERVICE | — | AXIS INSURANCE CO | $4K | — | $4K | 0.98% |
| RECURO HEALTH INC Filed as: RECURO WELLVIA FEES | — | AXIS INSURANCE CO | $4K | — | $4K | 0.87% |
| LAKESHORE BENEFIT ALLIANCE LLC Filed as: LAKESHORE BENEFIT ALLIANCE RECURO W | — | AXIS INSURANCE CO | $2K | — | $2K | 0.58% |
| ACI Filed as: ACI RECURO WELLVIA FEES | — | AXIS INSURANCE CO | $1K | — | $1K | 0.29% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 19.28% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $3K | $13K | 19.37% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 16.21% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $8K | 18.93% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $849 | $236 | $1K | 19.18% |
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 | 537 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 537 | 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 | 912 | $3.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 912 | $2.7M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 333 | $49K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 333 | $93K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $123K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $118K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 333 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 912 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.