| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $6K | $22K | 21.17% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.00% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $13K | 21.09% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.92% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 19.11% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE | $5K | — | $5K | 10.02% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 18.74% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $728 | $728 | 1.67% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 22.89% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 32.78% |
| PARMER AGENCY LLC3 | 839 AIRPORT DRIVE SUITE 105 ALEXANDER CITY, AL 35010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.74% |
| FRANK FARNELL3 | 1235 WEATHERFORD STREET AUBURN, AL 36830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $333 | — | $333 | 1.35% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 21.90% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $883 | $883 | 4.00% |
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 | 404 | 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) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE | 304 | $50K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $118K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $105K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $56K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.