| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $23K | $0 | $23K | 12.05% |
| COVENANT ADMINISTRATORS LLC5 Filed as: COVENANT ADMINISTRATORS INC. | 2810 PREMIERE PARKWAY, SUITE 400 DULUTH, GA 30097 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $0 | $18K | $18K | 9.40% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.02% |
| SURETY UNDERWRITERS LLC0 | 132 CHARLSTON LANE MADISON, MS 39110 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $0 | $10K | $10K | 5.33% |
| SURETY MARKETING & CONSULTING0 Filed as: SURETY MARKETING AND CONSULTING | 3331 CROWELL LANE MOUNT PLEASANT, SC 29466 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.09% |
| VANTAGE AMERICA SOLUTIONS0 | 1275 MILWAUKEE AVENUE GLENVIEW, IL 60025 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.04% |
| LBA SERVICE LLC3 | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $893 | $0 | $893 | 0.46% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $486 | $7K | 10.57% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $740 | $5K | 16.50% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER, LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55 | $0 | $55 | 0.19% |
No Schedule C service providers reported on this filing.
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARANTEE TRUST LIFE INSURANCE COMPANY | 157 | $192K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $81K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $65K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $65K |
| Prescription drug | GUARANTEE TRUST LIFE INSURANCE COMPANY | 157 | $192K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.