| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DR BIRMINGHAM, AL 35253 | DELTA DENTAL INSURANCE COMPANY | $82K | — | $82K | 11.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DR BIRMINGHAM, AL 35253 | HARTFORD LIFE AND ACCIDENT | $61K | — | $61K | 15.13% |
| BILL W. HENLEY3 Filed as: BILL HENLEY | PO BOX 4880 JACKSON, MS 39216 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 10.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $157 | $157 | 0.06% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 3310 N UNIVERSITY DR NACOGDOCHES, TX 75965 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 15.00% |
| PARRISH & ASSOCIATES4 | 4959 MEADOWBROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 24.43% |
| MARGARET ANDERTON4 | 5483 BULL RUN DR BIRMINGAHM, AL 35210 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $34 | — | $34 | 0.28% |
| PARRISH & ASSOCIATES4 | 4959 MEADOWBROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | — | $22 | 5.57% |
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 | 1,455 | 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) | 1,455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 810 | $5.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,320 | $749K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 569 | $781K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 569 | $381K |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 569 | $781K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 810 | $5.0M |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 810 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,320 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.