| 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 MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.50% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE SUITE 200 MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.27% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE SUITE 200 MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $520 | $2K | 19.11% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE SUITE 200 MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $506 | $2K | 19.22% |
| BRUCE DENSON, JR3 | 227 POINCIANA DRIVE BIRMINGHAM, AL 35209 | NATIONAL GUARDIAN LIFE INSURANCE | $1K | — | $1K | 10.02% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE SUITE 200 MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $359 | $2K | 23.67% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC | 115 OFFICE PARK DRIVE SUITE 200 MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $259 | $2K | 23.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 82 | $1.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 82 | $1.4M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE | 81 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $59K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $24K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 82 | $1.4M |
| Other(5 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 90 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.