| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FS ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $78K | — | $78K | 15.00% |
| FS ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $62K | — | $62K | 15.00% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $56K | $56K | 15.05% |
| FS ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $56K | $0 | $56K | 15.00% |
| FS ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $45K | $0 | $45K | 15.00% |
| FS ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | VISION SERVICE PLAN | $23K | — | $23K | 11.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $92.3M |
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MANAGER | Float revenue; Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $8.0M |
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 | 3,776 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,512 | $206K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,262 | $375K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,014 | $416K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,262 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,512 | — |
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.