| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN AND HALL, INC | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $113K | — | $113K | 8.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 1.62% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $74K | $9K | $83K | 8.93% |
| JOSEPH FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25K | $25K | 2.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 26 CENTRUY BLVD STE 101 NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | COMBINED INSURANCE COMPANY OF AMERICA | $175K | — | $175K | 22.57% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE STE 200 BIRMINGHAM, AL 35223 | COMBINED INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 7.93% |
| JOE FERNANDEZ3 | 1201 ELM ST STE 4250 DALLAS, TX 75270 | COMBINED INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 1.75% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | COMBINED INSURANCE | $160K | — | $160K | 35.06% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | COMBINED INSURANCE | $67K | — | $67K | 14.64% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | COMBINED INSURANCE | $2K | — | $2K | 0.39% |
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 | 1,606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,924 | $929K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,924 | $929K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,606 | $1.3M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,606 | $1.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,606 | $1.3M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,606 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,924 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.