| 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 | $72K | — | $72K | 13.85% |
| UNITED TRUST INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | BCS INSURANCE COMPANY | — | $30K | $30K | 10.00% |
| CHRISTOPH INC3 Filed as: CHRISTOPH INC. | 2754 BOULTIER ST SUITE A MONTGOMERY, AL 36106 | ALLSTATE | $6K | — | $6K | 5.03% |
| WILLIAM F STANFORD3 | 4040 BALMORAL DR HUNTSVILLE, AL 35801 | ALLSTATE | $4K | — | $4K | 3.53% |
| CRAIG A WIGGINS3 | 2908 TANTALLON DR OWENS CROSS ROADS, AL 35763 | ALLSTATE | $641 | — | $641 | 0.53% |
| ALG ACQUISITIONS I LLC3 | 2650 MCCORMICK DR STE 300A CLEARWATER, FL 33759 | ALLSTATE | $631 | — | $631 | 0.52% |
| DEBORAH O MOTES3 | PO BOX 2593 SYLACAUGA, AL 35150 | ALLSTATE | $631 | — | $631 | 0.52% |
| JOAN D DUCK3 | 1361 W COLLINS ST ECLECTIC, AL 360246523 | ALLSTATE | $631 | — | $631 | 0.52% |
| CHRISTOPH INC3 Filed as: CHRISTOPH INC. | 2754 BOULTIER ST SUITE A MONTGOMERY, AL 36106 | ALLSTATE | $3K | — | $3K | 5.80% |
| WILLIAM F STANFORD3 Filed as: WILLIAM F. STANDARD | 4040 BALMORAL DR HUNTSVILLE, AL 35801 | ALLSTATE | $3K | — | $3K | 5.22% |
| CRAIG A WIGGINS3 | 2908 TANTALLON DR OWENS CROSS ROADS, AL 35763 | ALLSTATE | $342 | — | $342 | 0.58% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DR 200 BIRMINGHAM, AL 35223 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| 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 | $245 | $2K | 17.14% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | SUN LIFE AND HEALTH INSURANCE COMPANY | $30 | $1 | $31 | 10.40% |
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 | 1,103 | 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 | 2,234 | $122K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,234 | $0 |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,368 | $576K |
| Short-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,368 | $528K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,368 | $517K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 1,118 | $331K |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 2,234 | $558K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,234 | — |
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.