| 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 | $8K | $451 | $8K | 9.47% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | VISION SERVICE PLAN | $5K | $0 | $5K | 10.01% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 12.20% |
| GREGORY PAUL STAUDINGER3 Filed as: GREGORY STAUDINGER | 5650 GREAT NORTHERN BOULEVARD NORTH OLMSTED, OH 44070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $664 | $2K | 7.14% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $568 | $2K | 7.05% |
| JOSEPH BADGER3 | 1565 MAIN STREET PENINSULA, OH 44264 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | $631 | $1K | 4.25% |
| JAMES ALLEN CONNER3 Filed as: JAMES CONNER | 517 WEBER AVENUE SW STRASBURG, OH 44680 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $293 | $456 | 1.73% |
| KAITLYNN DEVITT3 | 3121 WAYNESBURG ROAD NW CARROLLTON, OH 44615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | $0 | $315 | 1.19% |
| MJ INSURANCE3 Filed as: TRACEY CANAZTUJ AND VARIOUS AGENTS | 107 DEERFIELD LANE AURORA, OH 44202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | $1 | $294 | 1.11% |
| COBBS ALLEN & HALL INC4 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 12.60% |
| TRUASSURE INSURANCE COMPANY4 | 111 SHUMAN BOULEVARD NAPERVILLE, IL 60563 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $264 | — | $264 | 3.00% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ALABAMA | 367 | $2.5M |
| Dental | BLUECROSS BLUESHIELD OF ALABAMA | 367 | $2.5M |
| Vision | VISION SERVICE PLAN | 122 | $55K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $89K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $89K |
| Prescription drug | BLUECROSS BLUESHIELD OF ALABAMA | 367 | $2.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.