| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 2140 11TH AVE S, SUITE 400 BIRMINGHAM, AL 35205 | UNITED OF OMAHA LIFE INSURANCE COMPANY VOLUNTARY LIFE & AD&D | $6K | — | $6K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY VOLUNTARY LIFE & AD&D | — | $1K | $1K | 2.87% |
| SUNSTAR INSURANCE GROUP LLC3 | 2140 11TH AVE S, STE 400 BIRMINGHAM, AL 35205 | UNITED OF OMAHA LIFE INSURANCE COMPANY TEMP DISABILITY | $6K | — | $6K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY TEMP DISABILITY | — | $1K | $1K | 3.49% |
| SUNSTAR INSURANCE GROUP LLC3 | 2140 11TH AVE S, STE 400 BIRMINGHAM, AL 35205 | UNITED OF OMAHA LIFE INSURANCE COMPANY COMBINED INSURANCE | $4K | — | $4K | 11.87% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY COMBINED INSURANCE | — | $1K | $1K | 3.21% |
| SUNSTAR INSURANCE GROUP LLC3 | 2140 11TH AVE S, SUITE 400 BIRMINGHAM, AL 35205 | UNITED OF OMAHA LIFE INSURANCE COMPANY LONG TERM DISABILITY | $5K | — | $5K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY LONG TERM DISABILITY | — | $914 | $914 | 2.63% |
| SUNSTAR INSURANCE GROUP LLC3 | 2140 11TH AVE S, SUITE 400 BIRMINGHAM, AL 35205 | UNITED OF OMAHA LIFE INSURANCE COMPANY VISION | $2K | — | $2K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY VISION | — | $379 | $379 | 2.97% |
| SUNSTAR INSURANCE GROUP LLC3 | 2140 11TH AVE S, STE 400 BIRMINGHAM, AL 35205 | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE & AD&D | $1K | — | $1K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE & AD&D | — | $238 | $238 | 2.84% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 219 | $1.8M |
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 219 | $1.8M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY VISION | 169 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY VOLUNTARY LIFE & AD&D | 169 | $51K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY TEMP DISABILITY | 169 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY LONG TERM DISABILITY | 170 | $35K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 219 | $1.8M |
| Other | BLUE CROSS & BLUE SHIELD OF ALABAMA | 219 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.