| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN, AND HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | AXIS INSURANCE COMPANY | $32K | $0 | $32K | 7.42% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | UNKNOWN MONTGOMERY, AL 36103 | AXIS INSURANCE COMPANY | $30K | $0 | $30K | 6.87% |
| ACI WALMART HEALTH VIRTUAL CARE3 | UNKNOWN MONTGOMERY, AL 36103 | AXIS INSURANCE COMPANY | $25K | $0 | $25K | 5.89% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 36124 | AXIS INSURANCE COMPANY | $22K | $0 | $22K | 5.17% |
| SURETY MARKETING3 | UNKNOWN MONTGOMERY, AL 36103 | AXIS INSURANCE COMPANY | $21K | $0 | $21K | 4.84% |
| BENEFITS FOR EVERYONE3 | UNKNOWN MONTGOMERY, AL 36103 | AXIS INSURANCE COMPANY | $5K | $0 | $5K | 1.05% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | UNKNOWN MONTGOMERY, AL 36103 | AXIS INSURANCE COMPANY | $4K | $0 | $4K | 0.97% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN, AND HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 5.34% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 36124 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.52% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN, AND HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 7.73% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 2.46% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | PO BOX 241667 MONTGOMERY, AL 36124 | STANDARD INSURANCE COMPANY | $2K | $504 | $2K | 2.01% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | 2 PERIMTER PARK SOUTH, SUITE 450 WEST BIRMINGHAM, AL 35243 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.05% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN, AND HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $766 | $0 | $766 | 2.52% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 469 | $2.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 469 | $2.9M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 448 | $30K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 311 | $126K |
| Short-term disability | STANDARD INSURANCE COMPANY | 85 | $117K |
| Long-term disability | STANDARD INSURANCE COMPANY | 85 | $117K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 469 | $2.9M |
| Other(2 contracts, 2 carriers) | AXIS INSURANCE COMPANY | 311 | $557K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.