| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $130K | $69K | $199K | 12.24% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $503 | $503 | 0.03% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63K | $0 | $63K | 10.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 4.64% |
| RICHARD G MCGOWAN3 Filed as: RICHARD K CARTER | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $635 | $0 | $635 | 0.11% |
| LISA MCDANIEL3 Filed as: LISA F. MCDANIEL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $420 | $0 | $420 | 0.07% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES MCDANIEL | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $330 | $0 | $330 | 0.06% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM T. NOBLES | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BREAK, AL 35223 | VISION SERVICE PLAN | $15K | $0 | $15K | 10.01% |
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 | 2,459 | 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) | 2,459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,141 | $148K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,459 | $1.6M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,459 | $1.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,459 | $1.6M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,459 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,459 | — |
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.