| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AA 35223 | COMPANION LIFE INSURANCE COMPANY | $34K | $8K | $43K | 18.50% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $228 | $22K | 10.06% |
| 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 | 7.60% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 369 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 622 | $216K |
| Vision | THE GUARDIAN LIFE INSURANC COMPANY OF AMERICA | 224 | $29K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 216 | $230K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 622 | $216K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 622 | $216K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 369 | $1.3M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 369 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.