| 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 | $15K | $6K | $20K | 20.89% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.99% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 20.50% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.98% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.27% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.98% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 21.45% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 20.63% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $683 | $683 | 1.61% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 17.61% |
| PARMER AGENCY LLC3 | 839 AIRPORT DRIVE SUITE 105 ALEXANDER CITY, AL 35010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.86% |
| FARNELL FRANK3 | 1235 WEATHERFORD STREET AUBURN, AL 36830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $296 | — | $296 | 0.78% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 20.03% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.31% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | CANOPY INSURANCE CORPORATION | $3K | — | $3K | 10.02% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.68% |
| SELERIX SYSTEMS INC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $843 | $843 | 3.98% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 10.02% |
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 | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | CANOPY INSURANCE CORPORATION | 298 | $49K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 394 | $119K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $97K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $58K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 394 | $245K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.