| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | GRANULAR INSURANCE COMPANY | $59K | $23K | $82K | 14.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 12.20% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 4.81% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.73% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $79 | $79 | 0.02% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $5K | $23K | 13.20% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | THE GUARDIAN LIFE INSURANC COMPANY OF AMERICA | $2K | — | $2K | 6.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 ADMIN FEE | Claims processing Service code 12 | — | $265K |
| MEDONE, LC EIN 26-1769761 ADMIN FEE | Contract Administrator Service code 13 | — | $33K |
| WAGEWORKS EIN 94-3351864 ADMIN FEE | Contract Administrator Service code 13 | — | $9K |
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 | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $176K |
| Vision | THE GUARDIAN LIFE INSURANC COMPANY OF AMERICA | 238 | $39K |
| Life insurance(2 contracts, 2 carriers) | GRANULAR INSURANCE COMPANY | 340 | $961K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 340 | $376K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 340 | $376K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 340 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.