| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | DELTA DENTAL | $17K | $3K | $21K | 12.00% |
| BILLY W HENLEY3 | PO BOX 4880 JACKSON, MS 39296 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 10.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR, STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $124 | $7K | 10.17% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLAN & HALL INC | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | DELTA DENTAL | $7K | $1K | $8K | 12.00% |
| BXS INSURANCE INC3 | P.O. BOX 250 GULF PORT, MS 39502 | UNUM LIFE INSURANCE COMPANY | $6K | $834 | $7K | 10.26% |
| BILL W. HENLEY3 | 212 EASTBROOKE II JACKSON, MS 39216 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 9.62% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $124 | $8K | 15.22% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $124 | $5K | 15.35% |
| BXS INSURANCE INC3 | 3310 N UNIVERSITY DR NACOGDOCHES, TX 75965 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 15.05% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $124 | $4K | 15.71% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | DELTA DENTAL | $1K | $279 | $2K | 12.07% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $547 | $124 | $671 | 18.39% |
No Schedule C service providers reported on this filing.
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 | 1,094 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts) | DELTA DENTAL | 682 | $436K |
| Life insurance(7 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 763 | $295K |
| Short-term disability(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY | 763 | $203K |
| Long-term disability(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 763 | $305K |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 763 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.