| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEVELOPMENT & BENEFIT ASSOCIATES3 | P.O. BOX 118 TROY, AL 36081 | GUARDIAN INSURANCE | $74K | — | $74K | 12.50% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 | P.O. BOX 118 TROY, AL 36081 | KANSAS CITY LIFE INSURANCE COMPANY | $79K | — | $79K | 16.96% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 301 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $37K | $37K | 7.96% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT & BENEFIT ASSOCIATION | P.O. BOX 118 TROY, AL 36081 | METLIFE | $20K | — | $20K | 7.48% |
| HOLLY L SLAUGHTER3 Filed as: HOLLY SLAUGHTER | 120 MADALYN LN TROY, AL 36079 | METLIFE | $10K | — | $10K | 3.62% |
| ABLE BENEFIT SOLUTIONS3 Filed as: ABLE BENEFIT SOLUTIONS INC | 10 MONTEVALLO TER BIRMINGHAM, AL 35213 | METLIFE | $901 | $20 | $921 | 0.35% |
| DEVELOPMENT & BENEFIT ASSOCIATES3 Filed as: DEVELOPMENT 7 BENEFIT ASSOCIATES | P.O. BOX 118 TROY, AL 36081 | RELIANCE STANDARD LIFE INSURANCE | $17K | — | $17K | 15.49% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PKWY, SUITE 301 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE | — | $6K | $6K | 5.17% |
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 | 1,273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 1,273 | $9.9M |
| Dental | GUARDIAN INSURANCE | 1,277 | $590K |
| Vision | GUARDIAN INSURANCE | 1,277 | $590K |
| Life insurance | METLIFE | 1,817 | $265K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 674 | $463K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 1,273 | $9.9M |
| Other | RELIANCE STANDARD LIFE INSURANCE | 753 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,817 | — |
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.