| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $8K | $29K | 19.60% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $849 | $328 | $1K | 0.80% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, IL 35223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 13.00% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $543 | — | $543 | 0.48% |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $114K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $114K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $146K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $146K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $146K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.