| 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 BIRMINGHAM, AL 35223 | HCC LIFE INSURANCE COMPANY | $44K | $0 | $44K | 10.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DR. STE. 200 BIRMINGHAM, AL 35223 | DELTA DENTAL INSURANCE COMPANY | $18K | $0 | $18K | 10.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DR. STE. 200 BIRMINGHAM, AL 35223 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $990 | $9K | 16.88% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DR. STE. 200 BIRMINGHAM, AL 35223 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $719 | $6K | 16.95% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | 115 OFFICE PARK DR. STE 200 BIRMINGHAM, AL 35223 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.55% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DR, STE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $538 | $3K | 13.52% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $347 | $3K | 16.95% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $712 | $712 | 4.00% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND CO INC. | 3500 BLUE LAKE DR BIRMINGHAM, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 7.80% |
| TODD BOOZER3 Filed as: TODD A. BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 2.81% |
| AIMEE STONE3 | 2317 GARLAND DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 1.87% |
| ROBERT GENE RAMSAY3 | 1836 HARRISON DRIVE GARDENDALE, AL 35071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 1.40% |
| KARA HUGHES PARDUE3 | 3769 N WOODBRIDGE RD MOUNTAIN BROOK, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.94% |
| BURTON M HERRING JR3 Filed as: BURTON M. HERRING, JR. | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.47% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.31% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.16% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.16% |
| WILLIAM KYZER3 | P O BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATIVE SERVICES | Other insurance fees and expenses; Insurance services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $160K |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 253 | $183K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $18K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $53K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 231 | $437K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.