| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEVELOPMENT & BENEFIT ASSOCIATES0 | 100 INDUSTRIAL BLVD TROY, AL 36081 | GUARDIAN INSURANCE | $40K | $0 | $40K | 8.14% |
| HOMER R SMITH0 | 219 HILLTOP CIRCLE DEATSVILLE, AL 36022 | GUARDIAN INSURANCE | $10K | $0 | $10K | 2.04% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 | 100 INDUSTRIAL BLVD TROY, AL 36081 | KANSAS CITY LIFE INSURANCE COMPANY | $25K | $0 | $25K | 9.12% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PKWY SUITE 301 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $21K | $21K | 7.55% |
| RR SMITH INSURANCE3 | 291 HILLTOP CIRCLE DEATSVILLE, AL 36022 | KANSAS CITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.33% |
| JIMMY C LUNSFORD3 Filed as: JIMMY C LUNSFORRD | P.O. BOX 269 TROY, AL 36081 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.78% |
| JACKSON STEPHEN FLOWERS3 Filed as: JACKSON FLOWERS | P.O. BOX 973 TROY, AL 36081 | METLIFE | $23K | $0 | $23K | 15.04% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 | 100 INDUSTRIAL BLVD TROY, AL 36081 | AXIS INSURANCE COMPANY | $4K | $0 | $4K | 6.76% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PKWY SUITE 301 MALVERN, PA 19355 | AXIS INSURANCE COMPANY | $0 | $4K | $4K | 6.00% |
| RR SMITH INSURANCE3 | 291 HILLTOP CIRCLE DEATSVILLE, AL 36022 | AXIS INSURANCE COMPANY | $2K | $0 | $2K | 2.84% |
| JIMMY C LUNSFORD3 | P.O. BOX 269 TROY, AL 36081 | AXIS INSURANCE COMPANY | $522 | $0 | $522 | 0.80% |
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 | 1,023 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 1,023 | $7.6M |
| Dental | GUARDIAN INSURANCE | 1,017 | $486K |
| Vision | GUARDIAN INSURANCE | 1,017 | $486K |
| Life insurance | METLIFE | 1,323 | $152K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 348 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,323 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.