| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY5 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | STARLINE USA, LLC | — | $33K | $33K | 10.00% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.83% |
| THE HARRISON AGENCY, LLC3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.20% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.88% |
| THE HARRISON AGENCY, LLC3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.94% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUT, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.59% |
| THE HARRISON AGENCY, LLC3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| THE HARRISON AGENCY, LLC3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.68% |
| PAMELA A HARRISON3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| THE HARRISON AGENCY, LLC3 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| THE HARRISON AGENCY, LLC5 | 6261 HANNAH DR MOUNT OLIVE, AL 35117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 12.67% |
| 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 | $185K |
| UMR, INC. EIN 39-1995276 BROKERAGE | Claims processing Service code 12 | — | $167K |
| THE HARRISON AGENCY LLC EIN 92-0529604 BROKERAGE | Other commissions Service code 55 | 6261 HANNAH DRIVE MOUNT OLIVE, AL 35117 | $38K |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 330 | $0 |
| Vision | STANDARD INSURANCE COMPANY | 377 | $44K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 580 | $94K |
| Short-term disability(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 580 | $246K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $114K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | STARLINE USA, LLC | 212 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.