| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 365040738 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.64% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $22K | $22K | 16.07% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.64% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 365040738 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.55% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 365040738 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.44% |
| FSA RISK & BENEFITS LLC3 | PO BOX 738 ATMORE, AL 365040738 | VISON SERVICE PLAN | $8K | — | $8K | 8.31% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 365040738 | VISON SERVICE PLAN | $2K | — | $2K | 1.71% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 365040738 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.41% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 365040738 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $569 | $569 | 0.92% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE BE | 22 INVERNESS CENTER PARKWAY STE 100 BIRMINGHAM, AL 35242 | UNUM INSURANCE COMPANY | $16K | $528 | $16K | 31.00% |
| FS ADVISORS INC3 | PO BOX 738 ATMOTE, AL 36504 | UNUM INSURANCE COMPANY | $16K | — | $16K | 30.00% |
| FS ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | UNUM INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| FSA RISK & BENEFITS LLC3 | 216 TENNANT DRIVE ATMORE, AL 36504 | GUARDIAN | $6K | $300 | $6K | 14.55% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE BENEFIT | 22 INVERNESS CENTER PARKWAY STE 100 BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $311 | $5K | 48.46% |
| FS ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 39.47% |
| FS ADVISORS INC3 | PO BOX 738 ATMORE, AL 36504 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $536 | — | $536 | 5.00% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | MUTUAL OF OMAHA INSURANCE COMPANY | $475 | — | $475 | 5.00% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 365040738 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $195 | $195 | 2.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 NONE | Claims processing Service code 12 | — | $442K |
| CVS HEALTH EIN 05-0340626 NONE | Contract Administrator Service code 13 | — | $63K |
| NATIONAL COOPERATIVERX EIN 04-3775178 PHARMACY BENEFIT CONSULT | Consulting (general) Service code 16 | 2418 CROSSROAD DR. SUITE 2600 MADISON, WI 53718 | $19K |
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 | 1,279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 1,117 | $40K |
| Vision | VISON SERVICE PLAN | 1,169 | $102K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,224 | $261K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 460 | $135K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $68K |
| Other(5 contracts, 4 carriers) | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | 1,224 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,224 | — |
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.