| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | MADISON NATIONAL LIFE | $16K | — | $16K | 9.97% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DRIVE SUITE 200 MOUNTAIN BROOK, AL 352232423 | VISION SERVICE PLAN | $1K | — | $1K | 3.69% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $2K | — | $2K | 9.06% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC | $1K | — | $1K | 10.73% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $324 | — | $324 | 8.90% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA DENTAL HEALTH OF ILLINOIS, INC.,CIGNA DENTAL HEALTH OF KENTUCKY, | $225 | — | $225 | 9.26% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $141 | — | $141 | 30.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA DENTAL HEALTH OF NEW MEXICO, INC | $9 | — | $9 | 5.52% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA HEALTHCARE OF CONNECTICUT, INC | $21 | — | $21 | 15.22% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA DENTAL HEALTH OF VIRGINIA, INC | $22 | — | $22 | 23.91% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $3 | — | $3 | 5.56% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | $13 | — | $13 | 50.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | — |
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 | 6,141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MADISON NATIONAL LIFE | 271 | $160K |
| Dental(11 contracts, 11 carriers) | CIGNA DENTAL HEALTH OF TEXAS, INC. | 200 | $38K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 255 | $38K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 6,141 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,141 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.