| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR, LLC3 Filed as: GILSBAR LLC | PO BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | $0 | $6K | $6K | 8.98% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $4K | $0 | $4K | 6.58% |
| RESOLUTION REINSURANCE3 Filed as: RESOLUTION REINS. INTERMEDIARIES | 4408 FOREST DRIVE, SUITE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | $0 | $2K | $2K | 3.62% |
| ACCURISK SOLUTIONS, LLC3 Filed as: ACCURISK SOLUTIONS LLC | 10 SOUTH LASALLE STREET CHICAGO, IL 60603 | NATIONWIDE INSURANCE | $0 | $906 | $906 | 1.44% |
| LBA SERVICE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $753 | $0 | $753 | 1.20% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | DELTA DENTAL INSURANCE COMPANY | $596 | $0 | $596 | 2.18% |
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 | 80 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 80 | 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 | 117 | $603K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 99 | $27K |
| Vision | VISION SERVICE PLAN | 60 | $8K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 117 | $603K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.