| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $140K | $12K | $152K | 17.76% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 1.42% |
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $88K | $12K | $100K | 18.63% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 1.33% |
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $2K | $38K | 15.75% |
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD INSURANCE COMPANY | $22K | $5K | $26K | 19.96% |
| NFP INSURANCE SERVICES INC | 1250 CAPITAL OF TX HWY S BLDG II, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.49% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON STERLING PAUL BENEFITS | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | ZURICH AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $795 | $5K | 19.79% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $331 | $331 | 1.43% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON STERLING PAUL BENEFITS | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 2,065 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,082 | $672K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,035 | $854K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,092 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,092 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.