| 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 | US FIRE INSURANCE COMPANY | — | — | $0 | 0.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE CO | $18K | $897 | $19K | 14.49% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADM | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE CO | $2K | — | $2K | 1.84% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC | 115 OFFICE PARK DRIVE, SUITE 350 KENNESAW, GA 301445509 | UNUM LIFE INSURANCE CO | $24K | $2K | $26K | 30.17% |
| 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 | 8.97% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE CO | $5K | $253 | $5K | 14.42% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADM | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE CO | $674 | — | $674 | 1.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO EIN 36-2739571 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $385K |
| 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 | $11K |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 | Claims processing Service code 12 | — | $6K |
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 | 539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US FIRE INSURANCE COMPANY | 1,087 | $419K |
| Vision | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | 800 | $54K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE CO | 658 | $167K |
| Prescription drug | US FIRE INSURANCE COMPANY | 1,087 | $419K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 1,087 | $419K |
| Other | UNUM LIFE INSURANCE CO | 438 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,087 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.