| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $25K | $0 | $25K | 11.78% |
| COVENANT ADMINISTRATORS LLC5 Filed as: COVENANT ADMINISTRATORS, LLC | 2810 PREMIERE PARKWAY, SUITE 400 DULUTH, GA 30097 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $0 | $18K | $18K | 8.60% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.89% |
| SURETY UNDERWRITERS LLC3 | 132 CHARLESTON LANE MADISON, MS 39110 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.23% |
| SURETY MARKETING & CONSULTING3 | UNKNOWN HUNTSVILLE, AL 35824 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.10% |
| VANTAGE AMERICA SOLUTIONS3 | 1275 MILWAUKEE AVENUE GLENVIEW, IL 60025 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.95% |
| LBA SERVICE LLC3 | UNKNOWN HUNTSVILLE, AL 35824 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $955 | $0 | $955 | 0.45% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $457 | $7K | 12.11% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARANTEE TRUST LIFE INSURANCE COMPANY | 211 | $211K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 233 | $86K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $55K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $55K |
| Prescription drug | GUARANTEE TRUST LIFE INSURANCE COMPANY | 211 | $211K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.