| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BYARS-WRIGHT, INC.3 Filed as: BYARS WRIGHT, INC. | — | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $0 | $33K | 12.86% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | — | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $0 | $15K | 5.93% |
| SURETY MARKETING3 | — | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 4.95% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | — | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.99% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $220 | $7K | 10.35% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $372 | $9K | 15.65% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $355 | $8K | 15.67% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $79 | $1K | 10.67% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $69 | $2K | 15.65% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $63K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $58K |
| Other(3 contracts, 2 carriers) | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 197 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.