| 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 | $21K | — | $21K | 10.00% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $8K | $31K | 20.51% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.10% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $2K | $22K | 17.47% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $135 | $5K | 4.02% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $210 | $2K | 1.25% |
| TAMARA ANN BUSCHER3 | 1318 S WINTERBROOK OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $583 | $35 | $618 | 0.49% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AL 35216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | $1 | $349 | 0.27% |
| RYAN BOWLING3 | 8575 W 110TH ST STE 320 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 0.23% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | — | $244 | 0.19% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 73078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $76 | $165 | 0.13% |
| CAROLE H WARREN3 | 2716 HANOVER CIR S APT 801 BRIMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.12% |
| RON BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $6 | $131 | 0.10% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHT AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $11 | $108 | 0.09% |
| MEAGAN NICOLE TALBERT3 | 10440 GAYFER ROAD EXT FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $15 | $94 | 0.07% |
| HEATHER HORN3 | 126 REED LN LOCUST FORK, AL 35097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.07% |
| BURTON M HERRING JR3 | 922 OLD FEDERAL RD SHORTER, AL 36075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.04% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $3 | $28 | 0.02% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $13 | $27 | 0.02% |
| STACIA ROBINSON3 | 6008 E SHIRLEY LN STE F MONTGOMERY, AL 36117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| SUZANNE M CALHOUN3 | 304 POINTE LOMA BLVD LAKE SAINT LOUIS, MO 63367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| ANGIE CARMACK LETT3 | 8575 LEE ROAD 146 OPELIKA, AL 36804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATONAL MIDWEST LIMITED | DBA HUB INTL GULF SOUTH LTD METAIRIE, LA 70005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING FREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| EDWARD D SOMMER3 Filed as: EDWARD GUY JR | 716 RED FERN ROAD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KRISTY LYNN HUNT3 | 2013 FAULK DR TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NICOLE TOWNSEND VEDDER3 | 3370 LAKE RUN DR TALLAHASSEE, FL 32309 | 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 | $10K | $3K | $13K | 20.16% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $642 | $642 | 0.99% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $3K | $12K | 20.33% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $627 | $627 | 1.04% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.33% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $250 | $250 | 1.04% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $764 | $4K | 25.51% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $152 | $152 | 1.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATIVE SERVICES | Insurance brokerage commissions and fees; Insurance services; Other insurance fees and expenses; Insurance agents and brokers; Insurance mortality and expense charge Service code 22 | — | $181K |
| MEDONE, LC EIN 26-1769761 CONTRACT ADMINISTATOR | Contract Administrator Service code 13 | 1590 UNIERSITY AVE, DUBUQUEM, IA 52001 | $36K |
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 | 496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 827 | $206K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 827 | $206K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 468 | $175K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $65K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $60K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 540 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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.