| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | HCC LIFE INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 19.04% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $897 | $4K | 19.35% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $773 | $4K | 19.03% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $916 | — | $916 | 6.25% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT & CO, INC. | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $534 | $3K | 19.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Plan Administrator; Other services Service code 14 | 450 RIVERCHASE PARKWAY BIRMINGHAM, AL 35298 | $113K |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 115 | $76K |
| Vision | VISION SERVICE PLAN | 98 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $19K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 117 | $405K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.