| 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 | $126K | $12K | $138K | 10.95% |
| 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 | — | $15K | $15K | 1.19% |
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $103K | $12K | $115K | 16.75% |
| 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 | — | $8K | $8K | 1.17% |
| 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 | $10K | — | $10K | 7.49% |
| LTCI PARTNERS LLC3 | PO BOX 348 SALEM, WI 53168 | GENWORTH LIFE INSURANCE COMPANY | $5K | — | $5K | 4.07% |
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $1K | $13K | 16.78% |
| 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 | — | $571 | $571 | 0.74% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $498 | $7K | 11.66% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 14.15% |
| 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 | 15.01% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | PO BOX 1365 COLUMBIA, SC 29202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $100 | — | $100 | 5.65% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LISTING | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $125 | — | $125 | 11.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 TPA | Participant communication; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan; Named fiduciary; Non-monetary compensation Service code 12 | — | $2.0M |
| WEST HEALTH ADVOCATE SOLUTIONS EIN 23-3080019 CONSULTING | Other services; Claims processing Service code 12 | — | $115K |
| EXPRESS SCRIPTS EIN 43-1420563 PBM | Claims processing Service code 12 | — | $105K |
| CIGNA | Non-monetary compensation; Float revenue; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Contract Administrator; 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 | 1,904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $1.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,151 | $144K |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,904 | $3.0M |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $1.7M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 3,606 | $1.4M |
| Other(13 contracts, 10 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,306 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,606 | — |
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.