| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FSA RISK & BENEFITS LLC3 | P.O. BOX 738 ATMORE, AL 36504 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 2.22% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $36K | $36K | 10.11% |
| F S ADVISORS INC3 Filed as: F S ADVISORS INC. | P.O. BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $3K | $21K | 5.82% |
| F S ADVISORS INC3 Filed as: F S ADVISORS INC. | PO BOX 738 ATMORE, AL 36504 | VISON SERVICE PLAN | $24K | — | $24K | 7.30% |
| F S ADVISORS INC3 Filed as: F S ADVISORS INC. | P.O. BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $1K | $21K | 15.82% |
| F S ADVISORS INC3 Filed as: F S ADVISORS INC. | P.O. BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $656 | $5K | 5.74% |
| F S ADVISORS INC3 Filed as: F S ADVISORS INC. | P.O. BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $617 | $617 | 0.92% |
| F S ADVISORS INC3 Filed as: F S ADVISORS INC. | P.O. BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $242 | $5K | 21.01% |
| F S ADVISORS INC3 Filed as: F S ADVISORS INC. | P.O. BOX 738 ATMORE, AL 36504 | MUTUAL OF OMAHA INSURANCE COMPANY | $312 | $58 | $370 | 5.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $845K |
| RXBENEFITS, INC. EIN 63-1157085 CLAIMS PROCESSING | Claims processing Service code 12 | — | $20K |
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 | 1,326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISON SERVICE PLAN | 4,023 | $335K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,474 | $224K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,474 | $357K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $67K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,377 | $1.2M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,474 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,023 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.