| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JS BENEFITS INC3 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $17K | — | $17K | 10.01% |
| J S BENEFITS, INC. CODE 05-13893 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $3K | $27K | 20.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. 70-2450 | 1250 CAPITAL OF TX HWY S BLDG II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.05% |
| J S BENEFITS, INC. CODE 05-13893 Filed as: J S BENEFITS, INC CODE 05-1389 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $2K | $17K | 17.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $952 | $952 | 0.99% |
| J S BENEFITS, INC. CODE 05-13893 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 19.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. 70-2450 | 1250 CAPITAL OF TX HWY S BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $515 | $515 | 1.01% |
| PARRISH & ASSOCIATES4 | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 14.35% |
| DAVID CRUNKLETON4 | 1116 20TH ST S #229 BIRMINGHAM, AL 35205 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $246 | — | $246 | 2.83% |
| MARGARET ANDERTON4 | 5483 BULL RUN DRIVE BIRMINGHAM, AL 35210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $32 | — | $32 | 0.37% |
| MULTIPLEX CORPORATION INC.4 | 1211 HIGHLAND GATE LN HOOVER, AL 35244 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $18 | — | $18 | 0.21% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | VIVA HEALTH | 716 | $2.8M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 651 | $165K |
| Vision | VISION SERVICE PLAN | 252 | $45K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 353 | $132K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 253 | $97K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 353 | $51K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 353 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.