| 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 | UNUM LIFE INSURANCE CO | $20K | $3K | $23K | 17.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADM | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE CO | $3K | — | $3K | 2.00% |
| 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 | 13.51% |
| 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 | $6K | — | $6K | 10.75% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE CO | $6K | $753 | $6K | 17.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADM | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE CO | $753 | — | $753 | 2.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | DELTA DENTAL INSURANCE CO | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO EIN 36-2739571 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $323K |
| DELTA DENTAL EIN 94-2761537 CLAIMS PROCESSOR | Claims processing Service code 12 | 100 FIRST STREET SAN FRANCISCO, CA 94105 | $13K |
| UNUM LIFE INSURANCE CO EIN 01-0278678 | Claims processing Service code 12 | 1 FOUNTAIN SQ CHATTANOOGA, TN 37402 | $12K |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 | Claims processing Service code 12 | — | $7K |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 1,111 | $442K |
| Dental | DELTA DENTAL INSURANCE CO | 870 | $0 |
| Vision | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | 794 | $56K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE CO | 654 | $174K |
| Short-term disability | UNUM LIFE INSURANCE CO | 393 | $0 |
| Prescription drug | UNITED HEALTHCARE INSURANCE CO | 1,111 | $442K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE CO | 1,111 | $442K |
| Other | UNUM LIFE INSURANCE CO | 393 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,111 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.