| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE LLC | 2106 CAHABA ROAD BIRMINGHAM, AL 35223 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | — | — | $0 | 0.00% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $935 | $8K | 22.72% |
| YEAR & MOORE LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $587 | $4K | 14.97% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $626 | $5K | 23.20% |
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $550 | $4K | 23.64% |
| YEARY & MOORE, LLC3 Filed as: YEARY AND MOORE LLC | 2106 CAHABA ROAD SUITE B BIRMINGHAM, AL 35223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $447 | $693 | $1K | 7.65% |
| THE MATHIS-HILL-ROBERTSON AGENCY3 | 5040 ROSWELL ROAD SUITE 100 ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.06% |
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $403 | $3K | 17.71% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $600 | $112 | $712 | 17.80% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 161 | $66K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $25K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 156 | $214K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.