| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 2106 CAHABA RD STE B MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $8K | $34K | 25.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.86% |
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE LLC | 2106 CAHABA ROAD SUITE B MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.09% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 2106 CAHABA RD STE B MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $4K | $21K | 24.28% |
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE LLC | 2106 CAHABA ROAD SUITE B MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.25% |
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE LLC | 2106 CAHABA ROAD BIRMINGHAM, AL 352231112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.22% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 2106 CAHABA RD STE B MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 30.11% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BRK, AK 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 12.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $175 | $175 | 1.45% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 394 | $12K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 394 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.