| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 352232421 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $5K | $55K | 5.54% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 8.73% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352442858 | BCS INSURANCE COMPANY | $16K | $33K | $49K | 15.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | EYEMED VISION INSURANCE | $27K | — | $27K | 9.94% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $6K | $20K | 20.98% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | UNUM INSURANCE COMPANY | $14K | $2K | $15K | 17.22% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | EYEMED VISION INSURANCE | $326 | — | $326 | 10.98% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35253 | HARTFORD LIFE AND ACCIDENT | — | $338 | $338 | — |
| 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 | — | $477K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 INSURANCE PROVIDER | Contract Administrator Service code 13 | — | $86K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Insurance services Service code 23 | — | $67K |
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 | 2,746 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION INSURANCE | 5,232 | $271K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,182 | $992K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,667 | $440K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,700 | $440K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,404 | $329K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,182 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,232 | — |
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.