| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE | 2100 3RD AVE N STE 1100 BIRMINGHAM, AL 35203 | TELADOC | $1K | — | $1K | 14.97% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN AND COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER RDM SUITE 180 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $658 | — | $658 | 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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| 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 OKLAHOMA | 350 | $99K |
| Vision | VISION SERVICE PLAN | 87 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $14K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.