| 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 MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $3K | $20K | 14.00% |
| ANT FARM3 Filed as: ANT FARM, LLC | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $858 | $5K | 3.79% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL OF ALABAMA | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | MARKEL INSURANCE COMPANY | $19K | — | $19K | 18.00% |
| PROVIDENCE ADVISORS LLC3 Filed as: PROVIDENCE BENEFITS, LLC | 2000 PROVIDENCE PARK, SUITE 200 BIRMINGHAM, AL 35242 | MARKEL INSURANCE COMPANY | $4K | $0 | $4K | 4.00% |
| NEVAEH INSURANCE SOLUTIONS3 | 5528 VALENCIA PARK BOULEVARD HILLIARD, OH 43026 | MARKEL INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | VISION SERVICE PLAN | $2K | $0 | $2K | 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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 172 | $1.0M |
| Vision | VISION SERVICE PLAN | 167 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $142K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $142K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $142K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 172 | $921K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.