| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $90K | $12K | $102K | 11.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 0.97% |
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $92K | $12K | $104K | 16.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 1.02% |
| J S BENEFITS INC3 Filed as: J S BENEFITS, INC. | 2200 LAKEHORSE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | JOHN HANCOCK LIFE INSURANCE COMPANY | $9K | — | $9K | 6.58% |
| JS BENEFITS INC3 Filed as: JS BENEFITS, INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 5.93% |
| LTCI PARTNERS LLC3 | 100 FIELD DRIVE SUITE 310 LAKE FOREST, IL 60045 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 4.94% |
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $640 | $640 | 1.05% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $514 | $7K | 11.06% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | — | $3K | 13.35% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON STERLING PAUL BENEFITS, INC | 2801 HIGHWAY 280 SUITE 500 BIRMGINGHAM, AL 35223 | 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 | $482 | $42 | $524 | 9.96% |
| L H GUEST ASSOCIATES INC3 | P.O. BOX 141 LAKEMONT, GA 30552 | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | $347 | — | $347 | 15.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $269 | — | $269 | 12.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 TPA | Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services; Float revenue; Claims processing; Non-monetary compensation Service code 12 | — | $1.5M |
| WEST HEALTH ADVOCATE SOLUTIONS EIN 23-3080019 CONSULTING | Other services; Claims processing Service code 12 | — | $103K |
| EXPRESS SCRIPTS EIN 43-1420563 PBM | Claims processing Service code 12 | — | $17K |
| CIGNA | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services 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 | 2,066 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,089 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $1.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,674 | $139K |
| Life insurance(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,790 | $2.4M |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $1.5M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 3,449 | $1.2M |
| Other(12 contracts, 9 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,111 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,449 | — |
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.