| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 2200 LAKESHORE DR. STE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $270K | $30K | $300K | 13.48% |
| J S BENEFITS INC3 Filed as: J S BENEFITS, INC. | 2200 LAKEHORSE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | JOHN HANCOCK LIFE INSURANCE COMPANY | $18K | — | $18K | 13.15% |
| JS BENEFITS INC3 Filed as: JS BENEFITS, INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | GENWORTH LIFE INSURANCE COMPANY | $5K | — | $5K | 3.65% |
| LTCI PARTNERS LLC3 | PO BOX 348 SALEM, WI 53168 | GENWORTH LIFE INSURANCE COMPANY | $1K | — | $1K | 1.12% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $79 | $4K | 7.43% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 12.15% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON STERLING PAUL BENEFITS, INC | 2200 LAKESHORE DRIVE SUITE 215 BIRMGINGHAM, AL 35209 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | PO BOX 1365 COLUMBIA, SC 29202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $100 | — | $100 | 5.21% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $115 | — | $115 | 11.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 TPA | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $2.0M |
| HEALTH ADVOCATE SOLUTIONS EIN 23-3080019 CONSULTING | Claims processing; Other services Service code 12 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19462 | $115K |
| EXPRESS SCRIPTS EIN 43-1420563 PBM | Claims processing Service code 12 | — | $49K |
| CIGNA | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | — | $0 |
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 | 2,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 304 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 304 | $2.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,207 | $143K |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,244 | $4.5M |
| Long-term disability(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 304 | $2.2M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 3,527 | $1.7M |
| Other(13 contracts, 11 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,418 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,527 | — |
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."
No prospect flags tripped on this filing.