| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $89K | — | $89K | 15.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 1.90% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $71K | — | $71K | 15.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 2.24% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $58K | — | $58K | 15.00% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $56K | $56K | 14.63% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 2.65% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54K | — | $54K | 15.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 2.61% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE | STE 100 22 INVERNESS CENTER PARKWAY BIRMINGHAM, AL 35242 | UNUM INSURANCE COMPANY | $95K | $3K | $98K | 31.61% |
| FS ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | UNUM INSURANCE COMPANY | $95K | — | $95K | 30.59% |
| FS ADVISOR INC3 | PO BOX 1417 ATMORE, AL 36504 | UNUM INSURANCE COMPANY | $32K | — | $32K | 10.20% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $56K | — | $56K | 20.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.56% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | VISION SERVICE PLAN | $22K | — | $22K | 9.71% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $145 | $145 | 0.58% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA | WORKSITE BENEFITS SERVICES 22 INVERNESS CENTER, STE 100 BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $690 | $44 | $734 | 44.46% |
| FS ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $690 | — | $690 | 41.79% |
No Schedule C service providers reported on this filing.
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 | 2,325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,551 | $228K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,440 | $978K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,389 | $358K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,218 | $500K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,440 | $976K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,551 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.