| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 10.00% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD STE B MOUNTAIN BROOK, AL 352231112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $3K | $21K | 23.17% |
| CIELOSTAR5 | 730 2ND AVE S MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $757 | $757 | 0.85% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 352231112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $3K | $19K | 23.11% |
| CIELOSTAR5 | 730 2ND AVE S MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $901 | $901 | 1.10% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B BIRMINGHAM, AL 35223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $5K | 14.55% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 352231112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $751 | $6K | 22.88% |
| CIELOSTAR5 | 730 2ND AVE S MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 10.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 NONE | Claims processing Service code 12 | — | $188K |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 302 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $82K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 321 | $297K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.