| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FS ADVISORS INC3 | 110 BROOKWOOD ROAD ATMORE, AL 36502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $72K | — | $72K | 15.00% |
| FS ADVISORS INC3 | 110 BROOKWOOD ROAD ATMORE, AL 36502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $62K | — | $62K | 15.00% |
| FS ADVISORS INC3 | 110 BROOKWOOD ROAD ATMORE, AL 36502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $50K | — | $50K | 15.00% |
| FS ADVISORS INC3 | 110 BROOKWOOD ROAD ATMORE, AL 36502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38K | — | $38K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $1.3M |
| RXBENEFITS, INC. EIN 63-1157085 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 382377 BIRMINGHAM, AL 35238 | $22K |
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 | 2,764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,775 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,566 | $816K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,150 | $254K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,128 | $411K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,566 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,566 | — |
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.