| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEVELOPMENT & BENEFIT ASSOCIATES0 | 100 INDUSTRIAL BLVD TROY, AL 36081 | GUARDIAN INSURANCE | $56K | $0 | $56K | 11.22% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 | 100 INDUSTRIAL BLVD TROY, AL 36081 | KANSAS CITY LIFE INSURANCE COMPANY | $49K | $0 | $49K | 15.48% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 301 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $24K | $24K | 7.63% |
| RR SMITH INSURANCE3 | 291 HILLTOP CIRCLE DEATSVILLE, AL 36022 | KANSAS CITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.88% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 | P.O. BOX 118 TROY, AL 36081 | METLIFE | $19K | $0 | $19K | 12.46% |
| JACKSON STEPHEN FLOWERS3 Filed as: JACKSON FLOWERS | P.O. BOX 973 TROY, AL 36081 | METLIFE | $4K | $0 | $4K | 2.50% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 | 100 INDUSTRIAL BLVD TROY, AL 36081 | AXIS INSURANCE COMPANY | $4K | $0 | $4K | 8.42% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PKWY, SUITE 301 MALVERN, PA 19355 | AXIS INSURANCE COMPANY | $0 | $3K | $3K | 6.00% |
| RR SMITH INSURANCE3 | 291 HILLTOP CIRCLE DEATSVILLE, AL 36022 | AXIS INSURANCE COMPANY | $1K | $0 | $1K | 2.48% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 | 100 INDUSTRIAL BLVD TROY, AL 36081 | RELIANCE STANDARD LIFE INSURANCE | $3K | $0 | $3K | 12.40% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PKWY, SUITE 301 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE | $0 | $1K | $1K | 5.06% |
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 | 1,074 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 1,074 | $7.7M |
| Dental | GUARDIAN INSURANCE | 1,140 | $495K |
| Vision | GUARDIAN INSURANCE | 1,140 | $495K |
| Life insurance(2 contracts, 2 carriers) | METLIFE | 1,395 | $192K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 457 | $314K |
| Other | RELIANCE STANDARD LIFE INSURANCE | 472 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,395 | — |
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.