| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | $23K | $9K | $32K | 10.87% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | $20K | $0 | $20K | 6.82% |
| YEARY & MOORE, LLC3 Filed as: YEARY & MOORE | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $6K | $6K | 2.18% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 1.87% |
| UNITED OF OMAHA LIFE INSURANCE CO3 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $3K | $3K | 1.04% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $3K | $3K | 1.04% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 0.77% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 0.73% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $748 | $748 | 0.25% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $204 | $204 | 0.07% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $68 | $68 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $371K |
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 | 447 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 483 | $293K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 483 | $293K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 483 | $293K |
| Stop-loss / reinsurancereinsurance | SIRIUSPOINT AMERICA INSURANCE COMPANY | 452 | $1.0M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 483 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.