| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.15% |
| CHRISTOPH INC3 | 2754 BOULTIER ST STE A MONTGOMERY, AL 36106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.02% |
| HENRY J LAHTI3 Filed as: HENRY LAHTI | PO BOX 81416 MOBILE, AL 36689 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $938 | — | $938 | 2.55% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.85% |
| CHRISTOPH INC3 | 2754 BOULTIER ST STE A MONTGOMERY, AL 36106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.24% |
| HENRY J LAHTI3 Filed as: HENRY LAHTI | PO BOX 81416 MOBILE, AL 36689 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $582 | — | $582 | 1.80% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $189 | — | $189 | 14.99% |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 246 | $1.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 357 | $120K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $19K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $56K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $61K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 246 | $1.2M |
| Other(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 246 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
No prospect flags tripped on this filing.