| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 9.01% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352442858 | BCS INSURANCE COMPANY | $18K | $37K | $55K | 15.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | EYEMED VISION INSURANCE | $23K | — | $23K | 9.83% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | UNUM INSURANCE COMPANY | $18K | $981 | $19K | 15.83% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 16.15% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | EYEMED VISION INSURANCE | $464 | — | $464 | 11.68% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 352232421 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $205 | $4K | — |
| 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 | — | $634K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 INSURANCE PROVIDER | Contract Administrator Service code 13 | — | $84K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Insurance services Service code 23 | — | $81K |
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 | 2,622 | 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) | 2,622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION INSURANCE | 4,971 | $234K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,515 | $790K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,515 | $790K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,515 | $790K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,317 | $367K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,515 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,971 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.