| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD K. HOLMES3 Filed as: RICHARD HOLMES | LAKESHORE BENEFIT ALLIANCE, LLC 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | OPTIMED | $13K | — | $13K | 7.39% |
| BLAKE PATTERSON3 | SIMPEO AGENCY 1914 N. 4TH AVE. BIRMINGHAM, AL 35203 | OPTIMED | $10K | — | $10K | 5.66% |
| WILL SOWELL3 | BLACK WARRIOR ENTERPRISES LLC 39641 AL-69, STE. E MOUNDVILLE, AL 35474 | OPTIMED | $10K | — | $10K | 5.54% |
| ROBERT G. WILKES3 | INSURANCE GROUP SOLUTIONS 1332 S. BRUNDIDGE ST. TROY, AL 36081 | OPTIMED | $3K | — | $3K | 1.73% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | — | OPTIMED | $3K | — | $3K | 1.50% |
| SETH JASON KALSTEIN3 Filed as: SETH KNIGHT | — | OPTIMED | $310 | — | $310 | 0.17% |
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 | 869 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 875 | 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 | 939 | $2.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 194 | $52K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 939 | $2.4M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 939 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.