| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE-ACH MOUNTAIN BROOK, AL 35223 | US FIRE INSURANCE COMPANY | $56K | — | $56K | 10.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | SOUTHLAND NATIONAL INSURANCE | $23K | — | $23K | 10.02% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DR. STE. 200 BIRMINGHAM, AL 35223 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $14K | 17.78% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 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 | $11K | $2K | $13K | 18.55% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.38% |
| 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 | $4K | $281 | $4K | 14.67% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.28% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $964 | $964 | 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 | $1K | $303 | $1K | 19.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATIVE SERVICES | Other insurance fees and expenses; Insurance services; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $221K |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOUTHLAND NATIONAL INSURANCE | 306 | $226K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 565 | $33K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 300 | $24K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $70K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 265 | $559K |
| Other(5 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 302 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.