| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N HAYDEN RD, STE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | $131K | $26K | $157K | 11.98% |
| GILMER ADVISORS3 | 2320 HIGHLAND AVE S, STE 290E BIRMINGHAM, AL 35205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-LTD | $70K | — | $70K | 10.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 2000 BIRMINGHAM, AL 35216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-LTD | $70K | — | $70K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-LTD | — | $35K | $35K | 5.00% |
| GILMER ADVISORS3 | 2320 HIGHLAND AVE S, STE 290E BIRMINGHAM, AL 35205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-VOLUNTARY | $54K | — | $54K | 10.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 2000 BIRMINGHAM, AL 35216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-VOLUNTARY | $54K | — | $54K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-VOLUNTARY | — | $27K | $27K | 5.00% |
| GILMER ADVISORS3 | 2320 HIGHLAND AVE S, STE 290E BIRMINGHAM, AL 35205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-STD | $50K | — | $50K | 10.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 2000 BIRMINGHAM, AL 35216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-STD | $50K | — | $50K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-STD | — | $25K | $25K | 5.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162158 | VISION SERVICE PLAN | $5K | $47K | $53K | 18.28% |
| GILMER ADVISORS3 | 2320 HIGHLAND AVE S, STE 290E BIRMINGHAM, AL 35205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 2000 BIRMINGHAM, AL 35216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| VIG LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
| VIG LLC3 Filed as: VIG LLC DBA THE VESTAVIA GROUP | 2090 COLUMBIANA RD STE 4400 BIRMINGHAM, AL 35216 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $0 |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $0 |
| SYMETRA LIFE INSURANCE COMPANY EIN 91-0742147 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | PO BOX 34690 SEATTLE, WA 98124 | $0 |
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 | 6,628 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,198 | $288K |
| Life insurance(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-VOLUNTARY | 6,628 | $691K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,176 | $51K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-LTD | 834 | $767K |
| Prescription drug(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,302 | $1.3M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,302 | $1.3M |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY-VOLUNTARY | 6,628 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,628 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.