| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JH BERRY RISK SERVICES, LLC3 Filed as: JH BERRY RISK SERVICES, INC | 2552 18TH STREET SOUTH, SUITE 200 HOMEWOOD, AL 35209 | GULF GUARANTY LIFE | $13K | $0 | $13K | 9.07% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | GULF GUARANTY LIFE | $8K | $0 | $8K | 5.54% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | GULF GUARANTY LIFE | $4K | $0 | $4K | 2.37% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | GULF GUARANTY LIFE | $585 | $0 | $585 | 0.40% |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ALABAMA | 305 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF ALABAMA | 305 | $931K |
| Prescription drug | BLUECROSS BLUESHIELD OF ALABAMA | 305 | $931K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.