| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | HCC LIFE INSURANCE COMPANY | $47K | — | $47K | 10.00% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.35% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $247 | — | $247 | 0.65% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.41% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $127 | — | $127 | 0.60% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.73% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $50 | — | $50 | 0.27% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.31% |
| ABLE BENEFIT SOLUTIONS3 | 3800 COLONNADE PKWY STE 240 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $127 | — | $127 | 0.69% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DR STE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $1K | — | $1K | 6.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHEILD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Other services; Plan Administrator Service code 14 | 450 RIVERCHASE PARKWAY BIRMINGHAM, AL 35298 | $121K |
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 | 20 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 20 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS & BLUE SHIELD OF ALABAMA | 166 | $69K |
| Vision | VISION SERVICE PLAN | 0 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $18K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 0 | $467K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.