| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD INSURANCE COMPANY | $60K | — | $60K | 6.34% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD INSURANCE COMPANY | — | $23K | $23K | 2.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $47K | — | $47K | 8.23% |
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | — | $39K | 6.77% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 2.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3501 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 10.24% |
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.76% |
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD INSURANCE COMPANY | $9K | — | $9K | 6.02% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG 2 STE 125 AUSTIN, TX 78746 | RELIANCE STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70009 | ZURICH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 11.45% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON STERLING PAUL BENEFITS | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.28% |
| J S BENEFITS INC3 | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.72% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD INSURANCE COMPANY | — | $620 | $620 | 2.22% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON STERLING PAUL BENEFITS | 3800 COLONNADE PARKWAY, STE 540 BIRMINGHAM, AL 35243 | ZURICH AMERICAN INSURANCE COMPANY | $532 | — | $532 | 5.56% |
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 | 2,120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,137 | $728K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 2,082 | $938K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,137 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,137 | — |
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.