| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DR STE 200 MOUNTAIN BROOK, AL 35223 | SYMETRA LIFE INSURANCE COMPANY | $19K | $3K | $22K | — |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DR STE 200 MOUNTAIN BROOK, AL 35223 | VSP VISION CARE | $2K | $0 | $2K | — |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DR STE 200 MOUNTAIN BROOK, AL 35223 | DELTA DENTAL | $27K | $0 | $27K | — |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | SYMETRA LIFE INSURANCE COMPANY | $51K | $16K | $67K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSSS BLUE SHIELD | Contract Administrator Service code 13 | — | $400K |
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 | 614 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 978 | $0 |
| Vision | VSP VISION CARE | 546 | $0 |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 883 | $0 |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 883 | $0 |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 883 | $0 |
| Other | SYMETRA LIFE INSURANCE COMPANY | 883 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 978 | — |
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.