| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JS BENEFITS INC3 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $18K | — | $18K | 9.12% |
| J S BENEFITS, INC. CODE 05-13893 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| 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 | — | $3K | $3K | 1.86% |
| 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 | $15K | — | $15K | 15.00% |
| 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 | — | $2K | $2K | 2.13% |
| J S BENEFITS, INC. CODE 05-13893 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| 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 | — | $1K | $1K | 1.84% |
| PARRISH & ASSOCIATES4 | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $392 | — | $392 | 9.06% |
| ISATURN INC4 | 1211 HIGHLAND GATE LN HOOVER, AL 35244 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $156 | — | $156 | 3.61% |
| TRACY KATZ LLC4 Filed as: TRACY L. KATZ | 1170 COLE STREET BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $55 | — | $55 | 1.27% |
| MARGARET ANDERTON4 | 5483 BULL RUN DR BIRMINGHAM, AL 35210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $19 | — | $19 | 0.44% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | VIVA HEALTH | 841 | $3.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 709 | $193K |
| Vision | VISION SERVICE PLAN | 294 | $52K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $163K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 269 | $101K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $63K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 841 | — |
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.