| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: ALLEN & HALL COBBS | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | PAN-AMERICAN LIFE INSURANCE COMPANY | $52K | — | $52K | 12.34% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | DELTA DENTAL OF TENNESSEE | $25K | — | $25K | 9.00% |
| COBBS ALLEN & HALL INC3 Filed as: ALLEN & HALL COBBS | PO BOX 530847 BIRMINGHAM, AL 35253 | UNITED HEALTHCARE PLANS OF THE RIVER VALLEY, INC. | — | $14K | $14K | 5.26% |
| COBBS ALLEN & HALL INC3 Filed as: ALLEN & HALL COBBS | PO BOX 530847 BIRMINGHAM, AL 35253 | UNITED HEALTHCARE PLANS OF THE RIVER VALLEY, INC. | — | $14K | $14K | 5.26% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 9.93% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | EYEMED VISION CARE | $6K | — | $6K | 8.98% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.13% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $836 | $245 | $1K | 3.14% |
| AIMEE STONE3 | 2317 GARLAND DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $120 | $439 | 1.27% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $30 | $318 | 0.92% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $40 | $290 | 0.84% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $38 | $232 | 0.67% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $51 | $220 | 0.64% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $119 | $211 | 0.61% |
| KARA HUGHES PARDUE3 | 3336 NORTH WOODRIDGE ROAD MTN BRK, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 0.57% |
| ALLYN INCORPORATED3 | 3013 BROOKFIELD LANE CLEARWATER, FL 33761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.33% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $24 | $84 | 0.24% |
| EMMA ANN DEAN4 | 350 SOUTH BELVEDERE DRIVE HAMPSTEAD, NC 28443 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.18% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $7 | $63 | 0.18% |
| DAVID J MCCLELLAN3 Filed as: DAVID E WYATT | 1011 N 49TH AVE OMAHA, NE 68132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.16% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.07% |
| CLAUDIA MARABOTO3 | 130 TIERRA MONTANOSA RANCHO SANTO MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| PARRISH J PEACHEE3 | 201 W 103RD ST INDIANAPOLIS, IN 46290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $2 | $11 | 0.03% |
| ROBERT H STONE SR3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| BRENDA GAIL PATE3 Filed as: BRENDA KNIGHT | 821 KING'S GRANT ST SIMONS ISLAND, GA 31522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| PROFESSIONAL ENROLLMENTS INC3 | 821 KING'S GRANT ST SIMONS ISLAND, GA 31522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| SUZANNE S HENDERSON-CIOTTI3 | 2619 HEDGEPATH TRAIL LOUISVILLE, KY 40245 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENEFIT CONSULTANTS INC3 | 2477 VALLEYDALE RD BIRMINGHAM, AL 35244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| COBBS ALLEN & HALL INC3 Filed as: ALLEN & HALL COBBS | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | PAN-AMERICAN LIFE INSURANCE COMPANY | $147 | — | $147 | 12.60% |
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 | 1,740 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE PLANS OF THE RIVER VALLEY, INC. | 60 | $264K |
| Dental | DELTA DENTAL OF TENNESSEE | 1,372 | $274K |
| Vision | EYEMED VISION CARE | 981 | $62K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,740 | $263K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,740 | $298K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,740 | $263K |
| Stop-loss / reinsurancereinsurance(2 contracts) | PAN-AMERICAN LIFE INSURANCE COMPANY | 586 | $423K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,740 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,740 | — |
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.