| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FSA RISK & BENEFITS LLC3 | 216 TENNANT DRIVE PO BOX 738 ATMORE, AL 36504 | UNITED HEALTHCARE INSURANCE COMPANY | $103K | — | $103K | 9.99% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $34K | $34K | 25.23% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 365040738 | VISON SERVICE PLAN | $16K | — | $16K | 16.70% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | MUTUAL OF OMAHA INSURANCE COMPANY | $279 | — | $279 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $710K |
| RXBENEFITS, INC. EIN 63-1157085 CLAIMS PROCESSING | Claims processing Service code 12 | — | $15K |
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 | 1,233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LIBERTY BENEFITS ADMINISTRATORS | 1,932 | $724K |
| Vision | VISON SERVICE PLAN | 1,153 | $94K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,233 | $250K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $136K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $47K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,176 | $1.0M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,233 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,932 | — |
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."
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.