| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JS BENEFITS INC3 Filed as: JS BENEFITS | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | DELTA DENTAL INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| J S BENEFITS, INC. CODE 05-13893 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | $1K | $30K | 15.75% |
| 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 | 1.25% |
| 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 | $1K | $21K | 15.78% |
| 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 | 1.30% |
| J S BENEFITS, INC. CODE 05-13893 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $629 | $13K | 15.75% |
| 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 | 1.25% |
| PARRISH & ASSOCIATES4 | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 27.92% |
| SAM F FOWLER4 | 105 BERKELEY WAY DOTHAN, AL 36305 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $134 | — | $134 | 2.92% |
| MARGARET ANDERTON4 | 5483 BULL RUN DR BIRMINGHAM, AL 35210 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $121 | — | $121 | 2.64% |
| ISATURN INC4 | 1211 HIGHLAND GATE LN HOOVER, AL 35244 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | — | $31 | 0.68% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | 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)(2 contracts) | VIVA HEALTH | 971 | $4.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 952 | $235K |
| Vision | VISION SERVICE PLAN | 2,613 | $544K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 465 | $189K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 314 | $130K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 466 | $84K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 465 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,613 | — |
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.