| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEVELOPMENT & BENEFIT ASSOCIATES0 | 100 INDUSTRIAL BLVD. TROY, AL 36081 | GUARDIAN INSURANCE | $25K | $0 | $25K | 5.31% |
| JIMMY C LUNSFORD0 Filed as: JIMMY CARLTON LUNSFORD | 112 VINCENT AVE TROY, AL 36079 | GUARDIAN INSURANCE | $13K | $0 | $13K | 2.69% |
| HOMER R SMITH0 | 219 HILLTOP CIRCLE DEATSVILLE, AL 36022 | GUARDIAN INSURANCE | $10K | $0 | $10K | 2.00% |
| JIMMY C LUNSFORD3 Filed as: JIMMY C. LUNSFORD | 100 INDUSTRIAL BLVD. TROY, AL 36081 | KANSAS CITY LIFE INSURANCE COMPANY | $23K | — | $23K | 7.99% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PKWY SUITE 301 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $21K | $21K | 7.48% |
| RR SMITH INSURANCE3 | 291 HILLTOP CIRCLE DEATSVILLE, AL 36022 | KANSAS CITY LIFE INSURANCE COMPANY | $7K | — | $7K | 2.62% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 | 100 INDUSTRIAL BLVD TROY, AL 36081 | KANSAS CITY LIFE INSURANCE COMPANY | $6K | — | $6K | 2.21% |
| JACKSON STEPHEN FLOWERS3 Filed as: JACKSON FLOWERS | P.O. BOX 973 TROY, AL 36081 | METLIFE | $22K | $0 | $22K | 14.89% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PKWY SUITE 301 MALVERN, PA 19355 | AXIS INSURANCE COMPANY | — | $4K | $4K | 6.01% |
| JIMMY C LUNSFORD3 Filed as: JIMMY C. LUNSFORD | 100 INDUSTRIAL BLVD. TROY, AL 36081 | AXIS INSURANCE COMPANY | $3K | — | $3K | 4.31% |
| RR SMITH INSURANCE3 | 291 HILLTOP CIRCLE DEATSVILLE, AL 36022 | AXIS INSURANCE COMPANY | $2K | — | $2K | 3.47% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 | 112 VINCENT AVE. TROY, AL 36079 | AXIS INSURANCE COMPANY | $1K | — | $1K | 2.23% |
No Schedule C service providers reported on this filing.
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 | 1,065 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 1,065 | $7.2M |
| Dental | GUARDIAN INSURANCE | 1,029 | $480K |
| Vision | GUARDIAN INSURANCE | 1,029 | $480K |
| Life insurance(2 contracts, 2 carriers) | METLIFE | 1,386 | $208K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 0 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,386 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.