| 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 | $80K | $0 | $80K | 10.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $12K | $69K | 13.95% |
| 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 | $23 | $2K | 10.25% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $21 | $1K | 4.81% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H | 10930 CRABAPPLE RD SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $16 | $1K | 4.79% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $7 | $162 | 5.35% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $6 | $122 | 4.03% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H | 10930 CRABAPPLE RD SUITE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $5 | $121 | 3.99% |
| ASSUREX3 | 175 SOUTH 3RD ST SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6 | $6 | 0.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATIVE SERVICES | Other insurance fees and expenses; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Other services; Claims processing Service code 12 | — | $246K |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 940 | $492K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 663 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 940 | $492K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 940 | $492K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 940 | $492K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 311 | $797K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 940 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.