| 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 352232421 | RELIASTAR LIFE INSURANCE COMPANY | $90K | — | $90K | 10.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 352232421 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 1.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $943K |
| AMERICAN BEHAVIORAL BENEFITS MANAGE EIN 63-1030881 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 2204 LAKESHORE DRIVE, SUITE 135 BIRMINGHAM, AL 35209 | $219K |
| CARR, RIGGS & INGRAM, LLC EIN 72-1396621 CPA | Accounting (including auditing) Service code 10 | 7550 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | $18K |
| RUSHTON STAKELY JOHNSTON & GARRETT EIN 63-0659075 ATTORNEY | Legal Service code 29 | 184 COMMERCE STREET MONTGOMERY, AL 36104 | $15K |
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 | 1,972 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,957 | $895K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,957 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.