| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC. | 115 OFFICE PARK STE 200 BIRMINGHAM, AL 35223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.61% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF ALABAMA INC. | 11 N WATER ST 19TH FL #19290 MOBILE, AL 36602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 13.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 729 DALLAS AVE SELMA, AL 36701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $532 | — | $532 | 1.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 11 N WATER ST 19TH FL #19290 MOBILE, AL 36602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 13.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 729 DALLAS AVE SELMA, AL 36701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $496 | — | $496 | 1.19% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC. | 115 OFFICE PARK DR, STE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $624 | — | $624 | 5.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 | Contract Administrator; Other services Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $278K |
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 | 687 | 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) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,029 | $100K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,029 | $87K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $44K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY INC. | 461 | $301K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,029 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,029 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.