| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL PIERCE3 | 10100 DOWNING STREET SEMMES, AL 36575 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $45K | $66K | 24.44% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $3K | $33K | 12.30% |
| KELLIE WELLS3 | 16281 SAVOY COURT FAIRHOPE, AL 36532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $8K | $26K | 9.81% |
| EVAN LEWIS SMITH3 Filed as: EVAN SMITH | 3324 OAKLEIGH CIRCLE OCEAN SPRINGS, MS 39564 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $19K | $22K | 8.08% |
| MELISSA BILLINGSLEY3 | 3224 OAKLEIGH CIRCLE OCEAN SPRINGS, MS 39564 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $12K | $17K | 6.25% |
| MAKING BENEFITS COUNT LLC3 Filed as: MAKING BFTS COUNT AND OTHER AGENTS | 2717 SEVILLE BOULEVARD CLEARWATER, FL 33764 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $4K | $14K | 5.36% |
| LEWIS BROCK3 | 8776 SPRING GROVE N MOBILE, AL 36695 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $5K | $14K | 5.36% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $6K | $37K | 17.75% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | VISION SERVICE PLAN | $5K | — | $5K | 9.99% |
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 | 940 | 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) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 454 | $52K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 346 | $210K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 346 | $210K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 346 | $480K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.