| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JS BENEFITS INC3 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | DELTA DENTAL INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| J S BENEFITS, INC. CODE 05-13893 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | $8K | $36K | 19.03% |
| 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 | — | $2K | $2K | 1.08% |
| J S BENEFITS, INC. CODE 05-13893 Filed as: J S BENEFITS, INC CODE 05-1389 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $5K | $26K | 18.82% |
| 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 | — | $1K | $1K | 0.93% |
| J S BENEFITS, INC. CODE 05-13893 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $3K | $16K | 18.50% |
| 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 | — | $783 | $783 | 0.93% |
| PARRISH & ASSOCIATES4 | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $655 | — | $655 | 16.35% |
| MARGARET ANDERTON4 | 5483 BULL RUN DR BIRMINGHAM, AL 35210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $65 | — | $65 | 1.62% |
| ISATURN INC4 | 1211 HIGHLAND GATE LN HOOVER, AL 35244 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $55 | — | $55 | 1.37% |
| TRACY KATZ LLC4 Filed as: TRACY L. KATZ | 1662 E. MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $22 | — | $22 | 0.55% |
| SAM F FOWLER4 Filed as: SAM F. FOWLER | 105 BERKELEY WAY DOTHAN, AL 36305 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $17 | — | $17 | 0.42% |
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 | 465 | 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) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | VIVA HEALTH | 901 | $4.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 891 | $211K |
| Vision | VISION SERVICE PLAN | 179 | $61K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 435 | $189K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 290 | $136K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 442 | $84K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 435 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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.