| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $542 | $6K | 9.39% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 400 VESTAVIA PARKWAY, SUITE 250 BIRMINGHAM, AL 35216 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.38% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $363 | $4K | 8.40% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 400 VESTAVIA PARKWAY, SUITE 250 BIRMINGHAM, AL 35216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.75% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN AND HALL, INC. | 115 OFFICE PARK DRIVE MOUNTAIN BROOK, AL 35223 | KAISER FOUNDATION HEALTH PLAN, INC. | $786 | $0 | $786 | 4.19% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 400 VESTAVIA PARKWAY, SUITE 250 VESTAVIA, AL 35216 | KAISER FOUNDATION HEALTH PLAN, INC. | $60 | $0 | $60 | 0.32% |
| UNKNOWN3 | UNKNOWN BIRMINGHAM, AL 35203 | TELADOC HEALTH, INC. | $676 | $0 | $676 | 15.00% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 204 | $1.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 97 | $69K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 97 | $69K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $52K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $52K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 204 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.