| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEVELOPMENT & BENEFIT ASSOCIATES0 Filed as: DEVELOPMENT & BENEFITS ASSOCIATES | 100 INDUSTRIAL BLVD TROY, AL 36081 | GUARDIAN INSURANCE | $69K | $0 | $69K | 12.50% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT & BENEFITS ASSOCIATES | 100 INDUSTRIAL BLVD TROY, AL 36081 | KANSAS CITY LIFE INSURANCE COMPANY | $93K | $0 | $93K | 21.82% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 301 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $33K | $33K | 7.71% |
| RR SMITH INSURANCE3 | 291 HILLTOP CIRCLE DEATSVILLE, AL 36022 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.02% |
| DEVELOPMENT & BENEFIT ASSOCIATES0 Filed as: DEVELOPMENT & BENEFITS ASSOCIATES | 100 INDUSTRIAL BLVD TROY, AL 36081 | METLIFE | $29K | $0 | $29K | 14.63% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT & BENEFITS ASSOCIATES | 100 INDUSTRIAL BLVD TROY, AL 36081 | RELIANCE STANDARD LIFE INSURANCE | $13K | $0 | $13K | 15.13% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 301 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE | $0 | $4K | $4K | 5.04% |
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 | 1,184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 1,184 | $4.9M |
| Dental | GUARDIAN INSURANCE | 1,257 | $548K |
| Vision | GUARDIAN INSURANCE | 1,257 | $548K |
| Life insurance | METLIFE | 1,591 | $201K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 561 | $425K |
| Other | RELIANCE STANDARD LIFE INSURANCE | 633 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,591 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.