| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INSURANCE SERVIC | 115 OFFICE PARK DRIVE STE 200 MOUNTAIN BROOK, AL 35242 | SHELTERPOINT INSURANCE | $8K | — | $8K | 18.00% |
| PROVIDENCE BENEFITS3 Filed as: PROVIDENCE BENEFITS, LLC | 2000 PROVIDENCE PARK STE 200 BIRMINGHAM, AL 35242 | SHELTERPOINT INSURANCE | $2K | — | $2K | 4.00% |
| COBBS ALLEN & HALL INC3 | — | DELTA DENTAL INSURANCE COMPANY | — | $216 | $216 | 1.00% |
| SOUTHVIEW BENEFIT SOLUTIONS LLC3 Filed as: SOUTHVIEW BENEFIT SOLUTIONS, LLC | 2724 SOUTHVIEW DRIVE VESTAVIA HILLS, AL 35216 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DR STE 200 MOUNTAIN BRK, AL 352232423 | VISION SERVICE PLAN | $320 | — | $320 | 6.56% |
| SOUTHVIEW BENEFIT SOLUTIONS LLC3 | 2724 SOUTHVIEW DRIVE VESTAVIA HILLS, AL 35216 | VISION SERVICE PLAN | $167 | — | $167 | 3.43% |
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 | 67 | 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) | 67 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 118 | $697K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 88 | $22K |
| Vision | VISION SERVICE PLAN | 31 | $5K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 118 | $634K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 118 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.