| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | UNITED HEALTHCARE INSURANCE CO | — | — | $0 | 0.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | HARTFORD LIFE AND ACCIDENT | $22K | — | $22K | 16.33% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC | 115 OFFICE PARK DRIVE, SUITE 350 KENNESAW, GA 301445509 | UNUM LIFE INSURANCE CO | $12K | — | $12K | 16.51% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | $5K | — | $5K | 10.66% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | DELTA DENTAL INSURANCE CO | — | — | $0 | — |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | — |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 1,090 | $429K |
| Dental | DELTA DENTAL INSURANCE CO | 930 | $0 |
| Vision | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | 775 | $51K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 514 | $136K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 514 | $0 |
| Prescription drug | UNITED HEALTHCARE INSURANCE CO | 1,090 | $355K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE CO | 1,090 | $355K |
| Other | UNUM LIFE INSURANCE CO | 215 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,090 | — |
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.