| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $39K | $39K | 5.95% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $22K | $22K | 13.19% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.81% |
| F S ADVISORS INC3 | PO BOX 738 ATMORE, AL 365040738 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.19% |
| ACRISURE LLC3 Filed as: ACRISURE , LLC | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 7.68% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 365040738 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.32% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 11.34% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 365040738 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.65% |
| ACRISURE LLC3 Filed as: 149 ACRISURE LLC | PO BOX 1417 ATMORE, AL 365040738 | VISON SERVICE PLAN | $8K | — | $8K | 7.46% |
| FSA RISK & BENEFITS LLC3 | PO BOX 738 ATMORE, AL 365040738 | VISON SERVICE PLAN | $2K | — | $2K | 1.69% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.13% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.87% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA FSA RISK | 100 OTTAWA AVE SW GRAND RAPIDS, MI 79503 | UNUM INSURANCE COMPANY | $1K | $42 | $1K | 2.58% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE BE | 22 INVERNESS CENTER PARKWAY STE 100 BIRMINGHAM, MI 35242 | UNUM INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| ACRISURE LLC3 | 216 TENNANT DRIVE ATMORE, AL 36502 | GUARDIAN | $6K | $2K | $8K | 19.52% |
| ACRISURE LLC3 | PO BOX 1417 ATMORE, AL 36504 | MUTUAL OF OMAHA INSURANCE COMPANY | $317 | — | $317 | 3.62% |
| F S ADVISORS INC3 | PO BOX 1417 ATMORE, AL 365040738 | MUTUAL OF OMAHA INSURANCE COMPANY | $121 | — | $121 | 1.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 NONE | Claims processing Service code 12 | — | $454K |
| CVS HEALTH EIN 05-0340626 NONE | Contract Administrator Service code 13 | — | $44K |
| FLORES AND ASSOCIATES EIN 56-1542307 ADMINISTRATION FEES | Claims processing Service code 12 | — | $5K |
| NATIONAL COOERATIVERX EIN 04-3775178 NONE | Claims processing Service code 12 | — | $0 |
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 | 1,288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 1,201 | $41K |
| Vision | VISON SERVICE PLAN | 1,222 | $104K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,383 | $285K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 505 | $162K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $91K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,223 | $650K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,383 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,383 | — |
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.