| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE, SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $0 | $24K | 9.64% |
| REEVES, RANDY3 Filed as: REEVES AGENCY INC | PO BOX 797 FAIRHOPE, AL 36533 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.51% |
| LOCKTON COMPANIES, LLC3 Filed as: MICHAEL COWART | 150 GOVERNMENT STREET, SUITE 1000 MOBILE, AL 36602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.69% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART | 3662 DAUPHIN STREET, SUITE C MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING LL, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $108 | $108 | 0.04% |
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 | 940 | 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) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $251K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $251K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $251K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $251K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.