| 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 352232423 | UNITED HEALTHCARE INSURANCE COMPANY | $47K | $12K | $59K | 4.12% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC. | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 352232423 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 9.83% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC. | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 352232423 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.92% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE , USA | 122 SOUTH MICHIGAN AVENUE CHICAGO, IL 60603 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $72 | $72 | 0.16% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC. | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 352232423 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.92% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE , USA | 122 SOUTH MICHIGAN AVENUE CHICAGO, IL 60603 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $45 | $45 | 0.16% |
No Schedule C service providers reported on this filing.
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 | 362 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 392 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $229K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $229K |
| Life insurance(2 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 362 | $75K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 362 | $29K |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 362 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.