| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYROLL & BENEFIT SOLUTIONS3 Filed as: PAYROLL AND BENEFIT SOLUTION | 1121 RIVERCHASE OFFICE ROAD BIRMINGHAM, AL 35244 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $338K | — | $338K | 11.56% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN AND HALL | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $217K | — | $217K | 7.44% |
| PROVIDENCE ADVISORS LLC3 Filed as: PROVIDENCE BENEFITS LLC | 2000 PROVIDENCE PARK STE 200 BIRMINGHAM, AL 35242 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $117K | — | $117K | 4.00% |
| PAYROLL & BENEFIT SOLUTIONS3 | 1121 RIVERCHASE OFFICE RD. BIRMINGHAM, AL 352442868 | GUARDIAN | $98K | $5K | $104K | 12.78% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DR. BIRMINGHAM, AL 352232421 | GUARDIAN | $39K | — | $39K | 4.78% |
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 | 2,468 | 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) | 2,468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 4,762 | $13.7M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 4,762 | $14.6M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 4,762 | $14.6M |
| Life insurance | GUARDIAN | 3,347 | $812K |
| Short-term disability | GUARDIAN | 3,347 | $812K |
| Long-term disability | GUARDIAN | 3,347 | $812K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 4,762 | $13.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 4,762 | $17.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,762 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.