| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA4 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.03% |
| JH BERRY RISK SERVICES, LLC | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $22K | $22K | 5.76% |
| JH BERRY RISK SERVICES, LLC | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $3K | $16K | 18.49% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 30.34% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DRIVE VESTAVIA, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JH BERRY RISK SERVICES, LLC | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 21.50% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.58% |
| PREMIER WORSITE SOLUTIONS LLC3 | 8575 W 110TH ST. STE 320 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 15.00% |
| JH BERRY RISK SERVICES, LLC3 | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JH BERRY RISK SERVICES, LLC | 22 IVERNESS CENTER PKWY SUITE 310 BIRMINGHAM, AL 35242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 27.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $123K |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 366 | $838K |
| Vision | STANDARD INSURANCE COMPANY | 342 | $38K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE CO | 1,019 | $207K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE CO | 1,019 | $231K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE | 231 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,019 | — |
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."
No prospect flags tripped on this filing.