| 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 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $166K | $138K | $304K | 14.67% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $629 | $629 | 0.03% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC, | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84K | $0 | $84K | 14.66% |
| GBS SPECIALTY MARKETS, LLC3 Filed as: GBS SPECIALITY MARKETS, LLC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | $0 | $59K | 10.23% |
| RICHARD CARTER SR3 Filed as: RICHARD KEITH CARTER SR. | 900 OAKCREST DRIVE, SUITE A COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $469 | $0 | $469 | 0.08% |
| LISA MCDANIEL3 | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $469 | $0 | $469 | 0.08% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC, | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | VISION SERVICE PLAN | $15K | $0 | $15K | 10.03% |
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 | 2,928 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,186 | $145K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,928 | $2.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,928 | $2.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,928 | $2.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,928 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,928 | — |
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.