| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIG LLC3 Filed as: VIG LLC DBA THE VESTAVIA GROUP | 2090 COLUMBIANA RD STE 4400 BIRMINGHAM, AL 35216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $269K | $9K | $278K | 10.09% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY EAST BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $269K | — | $269K | 9.77% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $106K | — | $106K | 15.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $77K | — | $77K | 15.00% |
| VIG LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $75K | — | $75K | 15.00% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162158 | VISION SERVICE PLAN | $5K | $55K | $60K | 20.77% |
| VIG LLC3 | 2090 COLUMBIANA RD STE 4400 VESTAVIA, AL 352162152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $0 |
| 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 | 2,504 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,799 | $287K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,504 | $625K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,033 | $502K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 691 | $706K |
| Prescription drug | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,929 | $2.8M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,929 | $2.8M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,504 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,504 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.