| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $19K | $0 | $19K | 8.75% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | $13K | $0 | $13K | 5.98% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $11K | $11K | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $4K | $4K | 1.83% |
| 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 | — | — | $0 | 0.00% |
| UNITED OF OMAHA LIFE INSURANCE CO3 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | MUTUAL OF OMAHA INSURANCE COMPANY | — | — | $0 | 0.00% |
| YEARY & MOORE, LLC3 | 2106 CAHABA ROAD SUITE B MOUNTAIN BROOK, AL 35223 | MUTUAL OF OMAHA INSURANCE COMPANY | — | — | $0 | 0.00% |
| 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 | — | — | $0 | 0.00% |
| 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 | $440K |
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 | 460 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 509 | $212K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 509 | $212K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 509 | $212K |
| Stop-loss / reinsurancereinsurance | SIRIUSPOINT AMERICA INSURANCE COMPANY | 462 | $1.1M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 509 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.