| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | STANDARD INSURANCE COMPANY | $21K | $0 | $21K | 13.54% |
| MIKOS-KAMPAKIS INS. SERVICES, INC.3 Filed as: MIKOS-KAMPAKIS INS SERVICES, INC. | PO BOX 1597 BIRMINGHAM, AL 35201 | STANDARD INSURANCE COMPANY | $315 | $0 | $315 | 0.20% |
| ABE SMITH, INC.3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $284 | $9 | $293 | 0.19% |
| CARTER CONSULTING GROUP3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $31 | $0 | $31 | 0.02% |
| JUSTIN C CARSON3 Filed as: JUSTIN CARTER | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | — | $1 | $1 | 0.00% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 264 | $158K |
| Life insurance | STANDARD INSURANCE COMPANY | 264 | $158K |
| Short-term disability | STANDARD INSURANCE COMPANY | 264 | $158K |
| Long-term disability | STANDARD INSURANCE COMPANY | 264 | $158K |
| Other | STANDARD INSURANCE COMPANY | 264 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.