| 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, INC. | P.O. BOX 530847 BIRMINGHAM, AL 35253 | SYMETRA LIFE INSURANCE CO | $29K | $0 | $29K | 11.88% |
| NATIONAL BENEFITS CENTER LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE CO | $0 | $6K | $6K | 2.38% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | 115 OFFICE PARK DR STE 200 MOUNTAIN BROOK, AL 35223 | VISION SERVICE PLAN | $2K | — | $2K | 3.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | P.O. BOX 10265 BIRMINGHAM, AL 35202 | COLONIAL LIFE AND ACCIDENT | $975 | $0 | $975 | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | P.O. BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE AND ACCIDENT | $935 | $0 | $935 | 1.76% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT | $837 | $0 | $837 | 1.57% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT | $471 | $89 | $560 | 1.05% |
| ROBERT H STONE SR3 Filed as: ROBERT H. STONE SR | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT | $334 | $42 | $376 | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P.O. BOX 70 WESTPOINT, GA 31833 | COLONIAL LIFE AND ACCIDENT | $294 | $0 | $294 | 0.55% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT | $260 | $0 | $260 | 0.49% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT | $208 | $48 | $256 | 0.48% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT | $148 | $82 | $230 | 0.43% |
| CARLA BURWELL3 | 446 EATON ROAD BIRMINGHAM, AL 35242 | COLONIAL LIFE AND ACCIDENT | $179 | $0 | $179 | 0.34% |
| DAN HENRY SINGLEY III3 | 4268 SHARPBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT | $97 | $76 | $173 | 0.33% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT | $167 | $0 | $167 | 0.31% |
| BURTON M HERRING JR3 Filed as: BURTON M. HERRING JR | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE AND ACCIDENT | $124 | $8 | $132 | 0.25% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATES, INC. | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT | $91 | $36 | $127 | 0.24% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS, INC | 557 GRAVES ROAD WEDOWEE, AL 36278 | COLONIAL LIFE AND ACCIDENT | $111 | $0 | $111 | 0.21% |
| CAROL PURDY FIELDS3 | 205 POTMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT | $98 | — | $98 | 0.18% |
| LISA MARIE KLEIN3 | 1509 KINGS RD CANTONMENT, FL 32533 | COLONIAL LIFE AND ACCIDENT | $88 | $0 | $88 | 0.17% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE AND ACCIDENT | $66 | $12 | $78 | 0.15% |
| TODD BOOZER3 Filed as: TODD A BOOZER | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT | $15 | $8 | $23 | 0.04% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL, INC. | 2211 7TH AVE SOUTH BIRMINGHAM, AL 35233 | DELTA DENTAL | $20K | $0 | $20K | — |
| 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 | $320K |
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 | 862 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 974 | $0 |
| Vision | VISION SERVICE PLAN | 415 | $73K |
| Life insurance | SYMETRA LIFE INSURANCE CO | 726 | $240K |
| Short-term disability | SYMETRA LIFE INSURANCE CO | 726 | $240K |
| Long-term disability | SYMETRA LIFE INSURANCE CO | 726 | $240K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 553 | $409K |
| Other | COLONIAL LIFE AND ACCIDENT | 101 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 974 | — |
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.