| 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 | RELIASTAR LIFE INSURANCE COMPANY | $69K | — | $69K | 18.00% |
| NORMAN WILKINS3 Filed as: NORMAN C. WILKINS | 405 COALMONT ROAD HELENA, AL 35080 | AFLAC | $5K | $263 | $5K | 5.70% |
| REID ALFORD3 Filed as: REID W. ALFORD | 2 CHASE CORPORATE DRIVE, SUITE 460 HOOVER, AL 35244 | AFLAC | $3K | $53 | $3K | 2.79% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | AFLAC | $3K | $0 | $3K | 2.70% |
| JOHN B YARBOROUGH3 Filed as: JOHN B. YARBOROUGH & OTHERS | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $2K | $0 | $2K | 2.22% |
| SAIC INC3 Filed as: SAIC, INC. | 1639 BRADLEY PARL DRIVE, SUITE 500 COLUMBUS, GA 31904 | AFLAC | $1K | $0 | $1K | 1.14% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER W. GRAHAM | 2 CHASE CORPORATE DRIVE, SUITE 460 HOOVER, AL 35244 | AFLAC | $884 | $53 | $937 | 1.00% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES, INC. | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $393 | $0 | $393 | 0.42% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
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 | 610 | 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) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 422 | $52K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,277 | $384K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,277 | $384K |
| Other(3 contracts, 3 carriers) | AMERICAN BEHAVIORAL BENEFITS MANAGERS | 1,277 | $914K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,277 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.