| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 352098803 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 3.09% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $504 | $5K | 22.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $345 | $345 | 1.45% |
| JS BENEFITS INC3 | 2200 LAKESHORE DR SUIT 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $121 | $2K | 15.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $202 | $202 | 1.32% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $873 | $50 | $923 | 15.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $84 | $84 | 1.44% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $888K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $888K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $888K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $15K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.