| 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 | $88K | — | $88K | 10.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $9K | $62K | 11.75% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. BIRMINGHAM | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 28.89% |
| VIRTUS LLC3 | 4550 W 109TH SUITE 301 OVERLAND PARK, KS 66211 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 21.49% |
| 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 | $17 | $2K | 8.83% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $20 | $1K | 6.32% |
| 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 | $17 | $1K | 6.30% |
| 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 | $483 | $31 | $514 | 13.91% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $362 | $38 | $400 | 10.82% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H | 10930 CRABAPPLE RD SUITE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $362 | $33 | $395 | 10.69% |
| ASSUREX3 | 175 SOUTH 3RD ST SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $25 | $25 | 0.68% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. BIRMINGHAM | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $101 | — | $101 | 31.76% |
| VIRTUS LLC3 | 4550 W 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $69 | — | $69 | 21.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATIVE SERVICES | Claims processing; Other insurance fees and expenses; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan; Contract Administrator Service code 12 | — | $299K |
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 | 396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,027 | $531K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 740 | $41K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,027 | $531K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,027 | $531K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,027 | $531K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 363 | $877K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,027 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,027 | — |
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.