| 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 35223 | HCC LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | AMERICAN GENERAL LIFE INS. CO | $30K | $0 | $30K | 11.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 818 TOWN AND COUNTRY BLVD STE HOUSTON, TX 77024 | AMERICAN GENERAL LIFE INS. CO | $2K | — | $2K | 0.82% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DR STE 200 MOUNTAIN BROOK, AL 35223 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | P.O. BOX 10265 BIRMINGHAM, AL 35202 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | $0 | $1K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | P.O. BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | $0 | $1K | 2.33% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $929 | $0 | $929 | 1.63% |
| CARLA BURWELL3 | 446 EATON RD BIRMINGHAM, AL 35242 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $402 | $25 | $427 | 0.75% |
| ROBERT H STONE SR3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $387 | $26 | $413 | 0.72% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $288 | $0 | $288 | 0.50% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $234 | $42 | $276 | 0.48% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $274 | — | $274 | 0.48% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $193 | $27 | $220 | 0.39% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $184 | $0 | $184 | 0.32% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $98 | $79 | $177 | 0.31% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $123 | $27 | $150 | 0.26% |
| BURTON M HERRING JR3 Filed as: BURTON M HERRING | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $134 | $4 | $138 | 0.24% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $123 | $0 | $123 | 0.22% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $98 | $0 | $98 | 0.17% |
| LISA MARIE KLEIN3 | 1509 KINGS RD CNATONMENT, FL 32533 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $95 | — | $95 | 0.17% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $45 | $29 | $74 | 0.13% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN AND HALL | 2211 7TH AVE SOUTH BIRMINGHAM, AL 35233 | DELTA DENTAL | $17K | — | $17K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF AL EIN 63-0103830 | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST P.O. BOX 995 BIRMINGHAM, AL 35298 | $269K |
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 | 775 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 775 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 467 | $326K |
| Dental | DELTA DENTAL | 741 | $0 |
| Vision | VISION SERVICE PLAN | 356 | $64K |
| Life insurance | AMERICAN GENERAL LIFE INS. CO | 980 | $267K |
| Short-term disability | AMERICAN GENERAL LIFE INS. CO | 980 | $267K |
| Long-term disability | AMERICAN GENERAL LIFE INS. CO | 980 | $267K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE CO. | 109 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 980 | — |
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.