| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPH INC3 Filed as: CHRISTOPH INC; WILL PARSONS | 2754 BOULTIER ST, SUITE A MONTGOMERY, AL 36106 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 8.17% |
| STEPHANIE H CHAFFE3 Filed as: STEPHANIE CHAFFE | PO BOX 8032 MOBILE, AL 36689 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.28% |
| CHRISTOPH INC3 | 2754 BOULTIER STREET MONTGOMERY, AL 36106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.93% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.10% |
| HENRY J LAHTI3 | PO BOX 81416 MOBILE, AL 36689 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.97% |
| CHRISTOPH INC3 | 2754 BOULTIER STREET MONTGOMERY, AL 36106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.01% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.99% |
| HENRY J LAHTI3 | PO BOX 81416 MOBILE, AL 36689 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| CHRISTOPH INC3 | 2754 BOULTIER STREET MONTGOMERY, AL 36106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.89% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.16% |
| HENRY J LAHTI3 | PO BOX 81416 MOBILE, AL 36689 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.95% |
| CHRISTOPH INC3 | 353 CLOVERDALE RD MONTGOMERY, AL 36104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.96% |
| HENRY J LAHTI3 Filed as: HENRY LAHTI | PO BOX 81416 MOBILE, AL 36689 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $863 | — | $863 | 3.41% |
| CHRISTOPH INC3 | 353 CLOVERDALE RD MONTGOMERY, AL 36104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.56% |
| HENRY J LAHTI3 Filed as: HENRY LAHTI | PO BOX 81416 MOBILE, AL 36689 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $555 | — | $555 | 3.21% |
| CHRISTOPH INC3 | 2754 BOULTIER STREET MONTGOMERY, AL 36106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $818 | — | $818 | 4.94% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $733 | — | $733 | 4.42% |
| HENRY J LAHTI3 | PO BOX 81416 MOBILE, AL 36689 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $526 | — | $526 | 3.17% |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 194 | $697K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 265 | $89K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $56K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $55K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 194 | $615K |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 194 | $658K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.