| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL OF ALABAMA | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | OPTIMED | $58K | $0 | $58K | 14.00% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFITS ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | OPTIMED | $29K | $0 | $29K | 7.00% |
| NEVAEH INSURANCE SOLUTIONS3 | 5528 VALENCIA PARK BOULEVARD HILLIARD, OH 43026 | OPTIMED | $12K | $0 | $12K | 3.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | $5K | $24K | 11.93% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.99% |
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW | UNKNOWN BIRMINGHAM, AL 35223 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.05% |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 481 | $3.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 481 | $3.4M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 239 | $35K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 321 | $198K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 321 | $198K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 481 | $3.4M |
| Other(3 contracts, 3 carriers) | OPTIMED | 485 | $623K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.