| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WRM GROUP LLC3 | 1700 4TH AVE S. JASPER, AL 35501 | COMPANION LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| HEALTHCOMP INTEGRATED SOLUTIONS LLC3 | 2100 COVINGTON CENTRE SUITE B CONVINGTON, LA 70433 | COMPANION LIFE INSURANCE COMPANY | $0 | $7K | $7K | 8.51% |
| PROVIDENCE ADVISORS LLC3 Filed as: PROVIDENCE BENEFITS LLC | 2000 PROVIDENCE PARK SUITE 200 BIRMINGHAM, AL 35242 | COMPANION LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.07% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 WALL TOWNSHIP, NJ 07719 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.22% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $763 | $763 | 2.89% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $518 | $518 | 3.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $508 | $508 | 3.12% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.99% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $191 | $191 | 2.58% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $926 | $0 | $926 | 15.01% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $202 | $202 | 3.27% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | VIVA HEALTH | 160 | $912K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $50K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $50K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $17K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.