| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | — | $49K | 4.57% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 4.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 INSURANCE PROVIDER | Contract Administrator Service code 13 | — | $1.3M |
| BEHAVIORAL HEALTH SYSTEMS, INC EIN 63-1007625 INSURANCE PROVIDER | Contract Administrator Service code 13 | — | $509K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 INSURANCE PROVIDER | Contract Administrator Service code 13 | — | $99K |
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 | 2,874 | 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) | 2,874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 514 | $36K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,015 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,758 | $424K |
| Prescription drug | CATAMARAN | 5,622 | $5.6M |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,688 | $342K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 5,015 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,622 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.