| 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 | $26K | — | $26K | 10.00% |
| J S BENEFITS, INC. CODE 05-13893 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | $15K | $53K | 20.99% |
| 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 | — | $5K | $5K | 2.03% |
| 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 | $27K | $11K | $39K | 21.15% |
| 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 | — | $4K | $4K | 2.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA, INC. | 2101 6TH AVENUE N, STE 1200 BIRMINGHAM, AL 352032775 | VISION SERVICE PLAN | $5K | — | $5K | 4.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 2101 6TH AVE N, STE 1200 BORMINGHAM, AL 352032775 | VISION SERVICE PLAN | $4K | — | $4K | 3.60% |
| J S BENEFITS, INC. CODE 05-13893 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $7K | $23K | 21.33% |
| 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 | — | $2K | $2K | 2.15% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $353 | $6K | 7.69% |
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 | 540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | VIVA HEALTH | 1,000 | $4.9M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,002 | $260K |
| Vision | VISION SERVICE PLAN | 445 | $117K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 481 | $253K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 345 | $183K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 481 | $107K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 481 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,002 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.