| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | SUN LIFE ASSURANCE COMPANY OF CANADA | $76K | — | $76K | 12.29% |
| COBBS ALLEN & HALL INC | PO BOX 530847 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 1.52% |
| REGIONS INSURANCE INC3 | PO BOX 13389 JACKSON, MS 39236 | UNIAMERICA | — | — | $0 | 0.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | UNIAMERICA | — | — | $0 | 0.00% |
| COBBS ALLEN & HALL INC | PO BOX 530847 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| COBBS ALLEN & HALL INC | PO BOX 530847 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| COBBS ALLEN & HALL INC | PO BOX 530847 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 NONE | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST PO BOX BIRMINGHAM, AL 352980001 | $396K |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 464 | $0 |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 464 | $619K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 433 | $619K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 570 | $928K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 357 | $118K |
| Prescription drug | RX BENEFITS, INC | 473 | $0 |
| Stop-loss / reinsurancereinsurance | UNIAMERICA | 515 | $279K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 482 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.