| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $12K | 11.48% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.91% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.02% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $910 | $5K | 12.00% |
| BYARS-WRIGHT, INC.3 | 1700 4TH AVE S JASPER, AL 35501 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.13% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 GEORGETOWN RD, STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $148 | $0 | $148 | 0.46% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 227 | $32K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 274 | $158K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 274 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 274 | $67K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 274 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.