| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | $2K | $43K | 4.94% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DRIVE HOUSTON, TX 77042 | UNITEDHEALTHCARE INSURANCE COMPANY | -$16 | $0 | -$16 | -0.00% |
| BENE-PLANS INC3 | 5103 EAST AIRLINE ROAD VICTORIA, TX 77904 | UNITEDHEALTHCARE INSURANCE COMPANY | -$49 | $0 | -$49 | -0.01% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 8.41% |
| MARCARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.03% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | PAN-AMERICAN LIFE INSURANCE COMPANY | $330 | $0 | $330 | 11.79% |
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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 90 | $861K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 90 | $861K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 90 | $861K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $134K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $131K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.