| 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 | $106K | — | $106K | 10.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $1.2M |
| AMERICAN BEHAVIORAL BENEFITS MANAGE EIN 63-1030881 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 2204 LAKESHORE DRIVE, SUITE 135 BIRMINGHAM, AL 35209 | $264K |
| CARR, RIGGS & INGRAM, LLC EIN 72-1396621 CPA | Accounting (including auditing) Service code 10 | 7550 HALCYON SUMMIT DRIVE MONTGOMERY, AL 36117 | $19K |
| RUSHTON STAKELY JOHNSTON & GARRETT EIN 63-0659075 ATTORNEY | Legal Service code 29 | 184 COMMERCE STREET MONTGOMERY, AL 36104 | $8K |
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 | 2,151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,151 | $997K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,151 | — |
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.