| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J S BENEFITS INC3 Filed as: J S BENEFITS, INC. | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $52K | $8K | $60K | 17.28% |
| 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 | $0 | $3K | $3K | 0.95% |
| JS BENEFITS INC3 Filed as: JS BENEFITS | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | DELTA DENTAL INSURANCE COMPANY | $22K | — | $22K | 8.00% |
| J S BENEFITS INC3 Filed as: J S BENEFITS, INC | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | $5K | $38K | 17.24% |
| 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 | $0 | $2K | $2K | 0.93% |
| J S BENEFITS INC3 Filed as: J S BENEFITS, INC. | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $3K | $22K | 17.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | VISION SERVICE PLAN | $19K | — | $19K | 14.57% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR STE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $231 | $5K | 5.57% |
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 | 561 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | VIVA HEALTH | 992 | $5.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,045 | $272K |
| Vision | VISION SERVICE PLAN | 443 | $127K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 533 | $349K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 389 | $218K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 533 | $130K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 533 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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.