| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $8K | 8.95% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY WATERS | 3662 DAUPHIN STREET SUITE 1A MOBILE, AL 36606 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 7.46% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $245 | $4K | 10.70% |
| MICHAEL R. COWART & ASSOCIATES3 | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HIGHWAY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $204 | $204 | 0.58% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $260 | $3K | 11.15% |
| MICHAEL R. COWART & ASSOCIATES3 | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $907 | $907 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HIGHWAY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $217 | $217 | 0.96% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $230 | $2K | 11.02% |
| MICHAEL R. COWART & ASSOCIATES3 | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $900 | $900 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HIGHWAY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $192 | $192 | 0.85% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $145 | $1K | 8.36% |
| MICHAEL R. COWART & ASSOCIATES3 | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HIGHWAY BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $106 | $106 | 0.63% |
| JS BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $172 | $2K | 11.09% |
| MICHAEL R. COWART & ASSOCIATES3 Filed as: MICHAEL R COWART & ASSOCIATES | 501 BISHOP LANE N MODILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $790 | — | $790 | 5.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $632 | $632 | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $143 | $143 | 0.91% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $109 | $2K | 10.78% |
| MICHAEL R. COWART & ASSOCIATES3 | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $561 | $561 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HIGHWAY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $91 | $91 | 0.65% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $861 | $57 | $918 | 10.66% |
| MICHAEL R. COWART & ASSOCIATES3 | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $861 | — | $861 | 10.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $345 | $345 | 4.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HIGHWAY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $48 | $48 | 0.56% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $828 | $95 | $923 | 11.15% |
| MICHAEL R. COWART & ASSOCIATES3 | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $414 | — | $414 | 5.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $331 | $331 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HIGHWAY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $79 | $79 | 0.95% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $479 | $36 | $515 | 10.75% |
| MICHAEL R. COWART & ASSOCIATES3 | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $479 | — | $479 | 10.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS ROAD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $192 | $192 | 4.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HIGHWAY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $30 | $30 | 0.63% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 97 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $84K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $84K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $43K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $16K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 48 | $45K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 97 | $1.0M |
| Other(6 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 113 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.