| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDY L BENNETT3 Filed as: RANDY BENNETT | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.82% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 5.09% |
| VALENT GROUP3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.18% |
| RANDY L BENNETT3 | 1060 WINCHESTER ROAD NORTHEAST HUNTSVILLE, AL 35811 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.21% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.79% |
| RANDY L BENNETT3 | 1060 WINCHESTER ROAD NORTHEAST HUNTSVILLE, AL 35811 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.17% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.83% |
| RANDY L BENNETT3 | 1060 WINCHESTER ROAD NORTHEAST HUNTSVILLE, AL 35811 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.20% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.80% |
| RANDY L BENNETT3 | 1060 WINCHESTER ROAD NORTHEAST HUNTSVILLE, AL 35811 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.35% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.65% |
| RANDY L BENNETT3 | 1060 WINCHESTER ROAD NORTHEAST HUNTSVILLE, AL 35811 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $678 | — | $678 | 9.02% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $449 | — | $449 | 5.98% |
| RANDY L BENNETT3 | 1060 WINCHESTER ROAD NORTHEAST HUNTSVILLE, AL 35811 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $278 | — | $278 | 4.51% |
| VALENT GROUP3 | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $215 | — | $215 | 3.49% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 117 | $116K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 117 | $116K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $101K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $40K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.