| 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 | $15K | $0 | $15K | 5.11% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | PAN-AMERICAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| WILLIAM HAMMETT3 Filed as: WILLIAM C. HAMMETT III | 1716 ALPINE MEADOWS LANE SUITE 1107 PRESCOTT, AZ 86303 | PAN-AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $46 | $3K | 9.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.34% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 23 | $289K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 23 | $289K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 23 | $289K |
| Life insurance(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 144 | $121K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $34K |
| Other(3 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 144 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.