| 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 | $59K | $0 | $59K | 10.87% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DR. STE. 200 BIRMINGHAM, AL 35223 | DELTA DENTAL INSURANCE COMPANY | $20K | — | $20K | 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 | $263 | $9K | 15.47% |
| 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 | $7K | $184 | $7K | 15.40% |
| 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 | $5K | $173 | $6K | 15.47% |
| 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 | $3K | $122 | $3K | 12.03% |
| 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 | $89 | $4K | 15.38% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $930 | $930 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATIVE SERVICES | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Insurance services; Other services; Claims processing; Other insurance fees and expenses Service code 12 | — | $193K |
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 | 279 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 748 | $198K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 276 | $23K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $56K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 243 | $540K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 276 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.