| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $49K | $57K | 3.45% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 225 KENNETH DRIVE ROCHESTER, NY 14623 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $10K | $26K | 1.57% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 225 KENNETH DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $358 | $5K | 8.40% |
| MARGARET BRYANT3 | 18014 BELMORE AVENUE LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $344 | $5K | 7.33% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 5.85% |
| DONALD H. MATSON & OTHERS3 | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $349 | $3K | 3.93% |
| ISAACSON INSURANCE AGENCY LLC3 Filed as: ISAACSON INSURANCE AGENCY, LLC | 1821 NW, 23RD PLACE PORTLAND, OR 97210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $313 | $2K | 2.56% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE SOUTH APARTMENT 801 BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $799 | $267 | $1K | 1.67% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $639 | $39 | $678 | 1.06% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $46 | $3K | 12.87% |
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 | 468 | 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) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,160 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,160 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,160 | $1.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 468 | $22K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 468 | $22K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 468 | $22K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,160 | $1.6M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 468 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,160 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.