| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 11.80% |
| BILLY W HENLEY3 | 212 EASTBROOKE II JACKSON, MS 39216 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 8.31% |
| BILL W. HENLEY3 | P.O. BOX 4880 JACKSON, MS 392964880 | DELTA DENTAL INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVICES | 8315 CANTRELL ROAD, SUITE 300 LITTLE ROCK, AR 72227 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 17.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF AL, INC | 2101 6TH AVE N, SUITE 1200 BIRMINGHAM, AL 35203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 995 BIRMINGHAM, AL 35298 | $498K |
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 | 970 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 352 | $123K |
| Life insurance(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 618 | $379K |
| Short-term disability(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 618 | $379K |
| Long-term disability(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 618 | $379K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 618 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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.