| 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 CO. | $78K | — | $78K | 13.84% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | TOKIO MARINE HCC | $11K | — | $11K | 3.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | TOKIO MARINE HCC | $6K | — | $6K | 2.09% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | AETNA LIFE INSURANCE CO. | $33K | — | $33K | 14.00% |
| JOHN D DUCK AND3 | VARIOUS OTHER AGENTS 1361 W COLLINS STREET ECLECTIC, AL 36024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $36K | — | $36K | 19.74% |
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 | 1,319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 1,119 | $321K |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,432 | $978K |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,432 | $978K |
| Long-term disability(2 contracts) | AETNA LIFE INSURANCE CO. | 1,432 | $797K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 1,041 | $288K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,432 | $797K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,432 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.