| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 352098803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | $6K | $31K | 18.54% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.14% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $509 | $21K | 14.27% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 2.44% |
| NATIONAL ENROLLMENT PATNERS LIC3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 1.54% |
| TAMARA ANN BUSCHER3 | 1318 S WINTERBROOKE DR OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $201 | $2K | 1.36% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $758 | $983 | $2K | 1.20% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.87% |
| HEATHER S MILLER3 | 16636 W 14TH ST OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | — | $542 | 0.37% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $370 | $4 | $374 | 0.26% |
| RON BOWLING3 | 8575 W 110TH ST STE 210 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $3 | $268 | 0.18% |
| D'ARCIPRETE & ASSOCIATES INC3 Filed as: D'ARCIPRETE & ASSOCIATE INC | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.14% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $120 | $171 | 0.12% |
| CAROLE H WARREN3 | 2716 HANOVER CIR S APT 801 BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.09% |
| RYAN BOWLING3 | 8575 W 110TH ST STE 320 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $45 | $103 | 0.07% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARTNERS LIC | 77 HAGGERTY DR WEST ORANGE, NJ 07052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $47 | $80 | 0.06% |
| HEATHER HORN3 | 126 REED LN LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.05% |
| BURTON M HERRING JR3 | 922 OLD FEDERAL RD SHORTER, AL 36075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.03% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 886 POPLAR LN WATERTOWN, MN 55388 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $6 | $36 | 0.02% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| PJ SKELTON LLC3 Filed as: PJ SKELTON LIC | 1580 CLUB CREEK DRIVE AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| HEATHER SUE GIPSON3 | 12 WHITNEY CIR PURVIS, MS 39475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| SUZANNE M CALHOUN3 | 304 POINTE LOMA BLVD LAKE SAINT LOUIS, MO 63367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| AU SOLUTIONS CROP3 | 2013 FAULK DR TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| NICOLE TOWNSEND VEDDER3 | 6548 WILDEMEADE PL TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| DANNIE D SUTTER3 | 5246 GALLIVER CTO BAKER, FL 32531 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DR FERNANDINA BEACH, FL 32304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 525 TAYLOR RD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TED BENNETT3 Filed as: TED BENNET | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LN STE F MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ANDREW ATZHORN INC3 | 416 PRISTINE WATER LANE MARY ESTHER, FL 32569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LORI ANN SACKMAN3 | 4152 AQUA VISTA DR PENSACOLA, FL 32504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BARDEN AND ASSOCIATES LLC3 | 93 RESTFUL COVE DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $3K | $14K | 18.40% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $813 | $813 | 1.04% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $14K | 18.37% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $753 | $753 | 1.02% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $931 | $5K | 18.55% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $300 | $300 | 1.14% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $535 | $4K | 23.58% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $173 | $173 | 1.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATIVE SERVICES | Other insurance fees and expenses; Insurance services; Insurance agents and brokers; Insurance brokerage commissions and fees; Insurance mortality and expense charge Service code 22 | — | $317K |
| MEDONE, LC EIN 26-1769761 CONTRACT ADMINISTATOR | Contract Administrator Service code 13 | 1590 UNIERSITY AVE, DUBUQUEM, IA 52001 | $41K |
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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 897 | $292K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 897 | $292K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 537 | $192K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 285 | $78K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 190 | $74K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 584 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 897 | — |
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.