| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| VIG LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162158 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $254K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $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 | 1,215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 643 | $108K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 961 | $191K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $151K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $221K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 961 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.