| 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 | IRONSHORE INDEMNITY, INC | — | — | $0 | 0.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE CO | $22K | $1K | $23K | 17.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADM | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE CO | $3K | — | $3K | 2.16% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE CO | $27K | $2K | $29K | 32.54% |
| 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 | 9.03% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE STE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY | $7K | $371 | $8K | 17.08% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY | $989 | — | $989 | 2.17% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | PROVIDENT LIFE & ACCIDENT COMPANY | $16K | $1K | $17K | 45.07% |
| ASSUREX3 | STE 800 175 SOUTH 3RD ST COLUMBUS, OH 43215 | PROVIDENT LIFE & ACCIDENT COMPANY | — | $864 | $864 | 2.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $268K |
| HEALTHSCOPE EIN 71-0847266 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $61K |
| DELTA DENTAL EIN 94-2761537 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $15K |
| UNUM LIFE INSURANCE CO EIN 01-0278678 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $12K |
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 | 572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IRONSHORE INDEMNITY, INC | 572 | $432K |
| Vision | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | 820 | $66K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE CO | 643 | $218K |
| Prescription drug | IRONSHORE INDEMNITY, INC | 572 | $432K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY, INC | 572 | $432K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO | 643 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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.