| 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 | AETNA LIFE INSURANCE COMPANY | $73K | — | $73K | 14.94% |
| UNITED TRUST INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | BCS INSURANCE COMPANY | $32K | — | $32K | 10.00% |
| CHRISTOPH INC3 Filed as: CHRISTOPH INC. | 353 CLOVERDALE RD MONTGOMERY, AL 36104 | ALLSTATE | $15K | — | $15K | 11.40% |
| WILLIAM F STANFORD3 | 4040 BALMORAL DR HUNTSVILLE, AL 35801 | ALLSTATE | $13K | — | $13K | 9.39% |
| CRAIG A WIGGINS3 | 2908 TANTALLON DR OWENS CROSS ROADS, AL 35763 | ALLSTATE | $2K | — | $2K | 1.17% |
| ALG ACQUISITIONS I LLC3 | 2650 MCCORMICK DR STE 300A CLEARWATER, FL 33759 | ALLSTATE | $708 | — | $708 | 0.53% |
| DEBORAH O MOTES3 | PO BOX 2593 SYLACAUGA, AL 35150 | ALLSTATE | $708 | — | $708 | 0.53% |
| JOAN D DUCK3 | 1361 W COLLINS ST ECLECTIC, AL 360246523 | ALLSTATE | $708 | — | $708 | 0.53% |
| CHRISTOPH INC3 Filed as: CHRISTOPH INC. | 353 CLOVERDALE RD MONTGOMERY, AL 36104 | ALLSTATE | $29K | — | $29K | 46.76% |
| WILLIAM F STANFORD3 | 4040 BALMORAL DR HUNTSVILLE, AL 35801 | ALLSTATE | $26K | — | $26K | 42.08% |
| CRAIG A WIGGINS3 | 2908 TANTALLON DR OWENS CROSS ROADS, AL 35763 | ALLSTATE | $3K | — | $3K | 4.68% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 15.00% |
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 | 1,037 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ALLSTATE | 2,058 | $134K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,058 | $0 |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,300 | $550K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,300 | $499K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,300 | $488K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 1,073 | $323K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,058 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,058 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.