| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT & BENEFIT ASSOCIATION | P.O. BOX 118 TROY, AL 36081 | GUARDIAN INSURANCE | $76K | $0 | $76K | 12.50% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT & BENEFIT ASSOCIATION | P.O. BOX 118 TROY, AL 36081 | KANSAS CITY LIFE INSURANCE COMPANY | $78K | $0 | $78K | 17.56% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 301 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $35K | $35K | 7.94% |
| RR SMITH INSURANCE3 | 291 HILLTOP CIRCLE DEATSVILLE, AL 36022 | KANSAS CITY LIFE INSURANCE COMPANY | $984 | $0 | $984 | 0.22% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT & BENEFIT ASSOCIATION | P.O. BOX 118 TROY, AL 36081 | METLIFE | $35K | $0 | $35K | 14.91% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT & BENEFIT ASSOCIATION | P.O. BOX 118 TROY, AL 36081 | RELIANCE STANDARD LIFE INSURANCE | $14K | $0 | $14K | 14.24% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PKWY, 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 | 1,243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 1,805 | $7.9M |
| Dental | GUARDIAN INSURANCE | 1,354 | $609K |
| Vision | GUARDIAN INSURANCE | 1,354 | $609K |
| Life insurance | METLIFE | 1,801 | $238K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 685 | $446K |
| Other | RELIANCE STANDARD LIFE INSURANCE | 746 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,805 | — |
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.