| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YEARY & MOORE, LLC3 Filed as: YEARY AND MOORE LLC | 2106 CAHABA ROAD SUITE B BIRMINGHAM, AL 35233 | HCC LIFE INSURANCE | $55K | — | $55K | 12.79% |
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE LLC | 2106 CAHABA ROAD SUITE B BIRMINGHAM, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | $16K | $4K | $20K | 9.79% |
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE LLC | 2106 CAHABA ROAD SUITE B BIRMINGHAM, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | $13K | $3K | $15K | 7.65% |
| YEARY & MOORE, LLC1 Filed as: YEARY & MOORE LLC | 2106 CAHABA ROAD SUITE B BIRMINGHAM, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $1K | $5K | 2.66% |
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE LLC | 2106 CAHABA ROAD SUITE B BIRMINGHAM, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $3K | $3K | 1.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY BIRMINGHAM, AL 35298 | $36K |
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 | 334 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 1,205 | $199K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 1,205 | $199K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 1,205 | $199K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 330 | $427K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 1,205 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,205 | — |
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.