| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $8K | $40K | 12.66% |
| UTIC INSURANCE COMPANY | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | BCS INSURANCE COMPANY | — | $19K | $19K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 729 DALLAS AVENUE SELMA, AL 36701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PL ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.17% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 12.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 729 DALLAS AVENUE SELMA, AL 36701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PL ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.92% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.34% |
| COBBS ALLEN & HALL INC | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| ASSUREX GLOBAL CORPORATION Filed as: ASSUREX GLOBAL CORP | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | VISION SERVICE PLAN | — | $954 | $954 | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 729 DALLAS AVENUE SELMA, AL 36701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PL ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $476 | $476 | 4.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABA EIN 63-0103830 | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | $354K |
| AMERICAN BEHAVIORAL EIN 63-1030881 | Claims processing Service code 12 | 2204 LAKESHORE DRIVE BIRMINGHAM, AL 35209 | $16K |
| RX BENEFITS INC EIN 63-1157085 | Claims processing Service code 12 | 3500 BLUE LAKE DRIVE STE 200 BIRMINGHAM, AL 35209 | $0 |
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 | 516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 314 | $38K |
| Life insurance(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $365K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $51K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $317K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 427 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.