| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE | 19 W GARDEN ST STE 300 PENSACOLA, FL 32502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$1K | — | -$1K | -1.70% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE STE 200 BIRMINGHAM, AL 35223 | VISION SERVICE PLAN | $4K | — | $4K | 9.99% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PKWY E HOOVER, AL 352442858 | VISION SERVICE PLAN | $2K | — | $2K | 6.38% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | DBA CAC SPECIALTY BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 13.28% |
| JOSEPH BADGER3 | 1565 MAIN STREET PENINSULA, OH 44264 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $548 | $1K | $2K | 13.04% |
| KAITLYNN DEVITT3 Filed as: KAITLYNN JANE DEVITT | 109 5TH ST NE CARROLLTON, OH 44615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $464 | $2K | 12.44% |
| GREGORY PAUL STAUDINGER3 | 5686 BROADVIEW RD APT 2132 CLEVELAND, OH 44134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $846 | $621 | $1K | 10.49% |
| JAMES ALLEN CONNER3 | 1292 BLUEBIRD DR SW DELLROY, OH 44620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $1K | $1K | 9.71% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $134 | $718 | 5.14% |
| TRACEY MICHELLE HODGES-CANAZTUJ3 | 107 DEERFIELD LN AURORA, OH 44202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 1.31% |
| COBBS ALLEN & HALL INC4 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE SUITE 200 MOUNTAIN BRK, AL 35223 | LEGALSHIELD | $367 | — | $367 | 11.22% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 534 | $1.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 534 | $1.6M |
| Vision | VISION SERVICE PLAN | 91 | $37K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $66K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $66K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 534 | $1.6M |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 534 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.