| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 15.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 14.57% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DR BIRMINGHAM, AL 35223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
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 | 596 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,014 | $1.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,014 | $1.7M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 390 | $104K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 705 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 595 | $115K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 146 | $62K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,014 | $1.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,014 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.