| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $5K | $23K | 26.02% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.01% |
| WORKSITE BENEFIT SERVICES5 Filed as: WORKSITE BENEFIT SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.80% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 25.60% |
| WORKSITE BENEFIT SERVICES5 Filed as: WORKSITE BENEFIT SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.89% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $820 | $820 | 1.87% |
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE LLC | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 20.15% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $734 | $734 | 1.72% |
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE LLC | 2106 CAHABA RD BIRMINGHAM, AL 352231112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.35% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 26.48% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $642 | $642 | 2.16% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 22.93% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $720 | $720 | 2.64% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $675 | $2K | 20.69% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $225 | $225 | 1.90% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 573 | $157K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 522 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $43K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.