| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 352431909 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38K | $12K | $50K | 13.19% |
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 352431909 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $56K | $11K | $67K | 24.01% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 352431909 | VISION SERVICE PLAN | $27K | — | $27K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35203 | ARCH INSURANCE COMPANY | $10K | — | $10K | 5.50% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND COMPANY INC | 3500 BLUE LAKE DR SUITE 120 VESTAVIA, AL 352431909 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $11K | 8.95% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 352431909 | VISION SERVICE PLAN | $304 | — | $304 | 9.98% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | — |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO INC. | 3500 BLUE LAKE DRIVE STE 120 VESTAVIA, AL 352431909 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $676 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 NONE | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST P. O. BOX 995 BIRMNGHAM, AL 35298 | $500K |
| AMERICAN BEHAVIORAL BENEFITS MNGRS EIN 63-1030881 NONE | Claims processing Service code 12 | 2204 LAKESHORE DRIVE, SUITE 135 BIRMINGHAM, AL 35209 | $174K |
| UNITED CONCORDIA COMPANIES INC EIN 25-1687586 NONE | Claims processing Service code 12 | 9635 VENTANA WAY, SUITE 100 JONES CREEK, GA 30022 | $58K |
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 | 1,088 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION SERVICE PLAN | 934 | $275K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,679 | $407K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,214 | $381K |
| Stop-loss / reinsurancereinsurance | ARCH INSURANCE COMPANY | 1,074 | $180K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,679 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,679 | — |
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.