| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | COMBINED INSURANCE COMPANY OF AMERICA | $201K | — | $201K | 23.18% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | COMBINED INSURANCE COMPANY OF AMERICA | $76K | — | $76K | 8.81% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 352282421 | COMBINED INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 2.69% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC DBA CA | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 352232423 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | — | $67K | 7.86% |
| JOSEPH FERNANDEZ3 | 7600 DALLAS PKWY STE 550 PLANO, TX 750244019 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22K | $22K | 2.58% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 352232421 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 5.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 1.80% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | COMBINED INSURANCE | $94K | — | $94K | 30.91% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 352282421 | COMBINED INSURANCE | $30K | — | $30K | 9.92% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | COMBINED INSURANCE | $10K | — | $10K | 3.32% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 352232421 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | — | $54K | 20.97% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 6.70% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 352232421 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | — | $36K | 20.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 6.39% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 352232421 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 20.94% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.66% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 352232421 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DR STE 201 ORLANDO, FL 328218043 | METROPOLITAN LIFE INSURANCE COMPANY | — | $608 | $608 | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 600731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $200 | $200 | 0.99% |
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 | 2,653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,509 | $852K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,509 | $872K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,796 | $256K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 963 | $442K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 968 | $174K |
| Other(6 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 3,796 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,796 | — |
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.