| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE,LLC | 6115 LYONS RD SUITE 202 POMPANO BEACH, FL 33060 | LLOYDS | $66K | — | $66K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE , LLC | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $6K | $25K | 13.03% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $24K | $24K | 13.38% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $14K | 7.71% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $3K | $20K | 17.96% |
| ACRISURE LLC3 Filed as: 149 ACRISURE LLC | PO BOX 1417 ATMORE, AL 36504 | VISON SERVICE PLAN | $10K | — | $10K | 9.18% |
| ACRISURE LLC3 | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.07% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $2K | $16K | 23.11% |
| ACRISURE LLC3 Filed as: ACRISURE,LLC | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 20.00% |
| ACRISURE LLC3 | 216 TENNANT DRIVE ATMORE, AL 36502 | GUARDIAN | $6K | — | $6K | 13.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LASSITERWARE, LLC | 641 SOUTH LAWRENCE STREET MONTGOMERY, AL 36104 | GUARDIAN | — | $1K | $1K | 3.55% |
| ACRISURE LLC3 | PO BOX 1417 ATMORE, AL 36504 | MUTUAL OF OMAHA INSURANCE COMPANY | $639 | $369 | $1K | 7.89% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1417 ATMORE, AL 36504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 NONE | Claims processing Service code 12 | — | $519K |
| NATIONAL COOPERATIVERX EIN 04-3775178 NONE | Contract Administrator Service code 13 | — | $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 | 1,311 | 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) | 1,311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 1,310 | $42K |
| Vision | VISON SERVICE PLAN | 1,330 | $111K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,441 | $296K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 516 | $190K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $89K |
| Stop-loss / reinsurancereinsurance | LLOYDS | 1,304 | $664K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,441 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,441 | — |
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.