| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT & BENEFITS ASSOCIATES | P.O. BOX 118 TROY, AL 36081 | GUARDIAN INSURANCE | $75K | $0 | $75K | 12.50% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT & BENEFITS ASSOCIATES | P.O. BOX 118 TROY, AL 36081 | KANSAS CITY LIFE INSURANCE COMPANY | $100K | — | $100K | 20.11% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 301 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $39K | $39K | 7.76% |
| RR SMITH INSURANCE3 | 2047 RIVER RIDGE WAY MONTGOMERY, AL 36108 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | — | $5K | 0.99% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT & BENEFITS ASSOCIATES | P.O. BOX 118 TROY, AL 36081 | METLIFE | $33K | $0 | $33K | 14.91% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT & BENEFITS ASSOCIATES | P.O. BOX 118 TROY, AL 36081 | RELIANCE STANDARD LIFE INSURANCE | $15K | — | $15K | 14.89% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 301 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE | $0 | $5K | $5K | 5.00% |
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 | 1,236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 1,756 | $6.3M |
| Life insurance | METLIFE | 1,723 | $224K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 561 | $499K |
| Other | RELIANCE STANDARD LIFE INSURANCE | 707 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,756 | — |
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.