| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DR STE 200 MOUNTAIN BRK, AL 352232423 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $44K | $51K | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | NEW ENGLAND 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $30K | $35K | 1.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST- | CINCINNATI 4555 LAKE FOREST DR STE 510 BLUE ASH, OH 452423732 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.20% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DR BURMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 9.82% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 6.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $957 | $6K | 4.45% |
| CLAY, BRIAN K3 | 93 ROSEVILLE RD WESTPORT, CT 06880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.87% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $697 | $5K | 10.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $254 | $2K | 3.75% |
| CLAY, BRIAN K3 | 93 ROSEVILLE RD WESTPORT, CT 06880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.50% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | UNUM INSURANCE COMPANY | $2K | $218 | $2K | 10.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM INSURANCE COMPANY | $699 | $58 | $757 | 4.59% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, I | 1100 VIRIGINA DR FORT WASHINGTON, PA 19034 | UNUM INSURANCE COMPANY | $222 | $37 | $259 | 1.57% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | UNUM INSURANCE COMPANY | $940 | $178 | $1K | 10.88% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, I | 1100 VIRIGINA DR FORT WASHINGTON, PA 19034 | UNUM INSURANCE COMPANY | $601 | $116 | $717 | 6.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM INSURANCE COMPANY | $324 | $31 | $355 | 3.45% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | UNUM INSURANCE COMPANY | $599 | $100 | $699 | 8.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM INSURANCE COMPANY | $284 | $30 | $314 | 3.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST, I | 1100 VIRIGINA DR FORT WASHINGTON, PA 19034 | UNUM INSURANCE COMPANY | $63 | $13 | $76 | 0.96% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $3.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $3.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $3.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $188K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $136K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $3.3M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.