| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.58% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 2100 THIRD AVE N BIRMINGHAM, AL 35203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.40% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 2.48% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 2100 THIRD AVE N SUITE 410 BIRMINGHAM, AL 35203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.80% |
| BENEFIT ADVISOR SERVICES3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $219 | $0 | $219 | 0.10% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE STREET FL 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$275 | $273 | -$2 | -0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR DRIVE SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.27% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 2100 THIRD AVE N SUITE 410 BIRMINGHAM, AL 35203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 0.74% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $295 | $0 | $295 | 0.17% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE STREET FL 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$188 | $186 | -$2 | -0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 2.28% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 2100 THIRD AVE N SUITE 410 BIRMINGHAM, AL 35203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $781 | $0 | $781 | 0.73% |
| BENEFIT ADVISOR SERVICES3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $186 | $0 | $186 | 0.17% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE STREET FL 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$118 | $117 | -$1 | -0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $906 | $13K | 17.35% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $423 | $7K | 17.36% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $632 | $0 | $632 | 1.90% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 2100 THIRD AVE N SUITE 410 BIRMINGHAM, AL 35203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $205 | $0 | $205 | 0.62% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $103 | $0 | $103 | 0.31% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE STREET FL 3 BIRMINGHAM, AL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$31 | $31 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $243 | $4K | 16.09% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $51 | $51 | — |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | — |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | — |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 CLAIMS/AIR MED/TELEDOC | Claims processing Service code 12 | — | $302K |
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 | 600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 440 | $311K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 440 | $311K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 513 | $228K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 401 | $169K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $107K |
| Other(7 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 513 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.