| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURNACE COMPANY | $11K | $3K | $14K | 19.20% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURNACE COMPANY | — | $1K | $1K | 1.38% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $454 | $2K | 12.25% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $651 | $651 | 3.23% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $142 | $142 | 0.71% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $356 | $2K | 12.80% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $816 | — | $816 | 6.42% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $376 | $376 | 2.96% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $111 | $111 | 0.87% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $261 | $1K | 12.20% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $722 | — | $722 | 6.08% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $499 | $499 | 4.20% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $82 | $82 | 0.69% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $980 | $170 | $1K | 11.74% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $980 | — | $980 | 10.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $455 | $455 | 4.64% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $53 | $53 | 0.54% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $748 | $230 | $978 | 13.09% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $482 | — | $482 | 6.45% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $274 | $274 | 3.67% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $72 | $72 | 0.96% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $668 | $202 | $870 | 13.02% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $410 | — | $410 | 6.14% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $268 | $268 | 4.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $63 | $63 | 0.94% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $482 | $139 | $621 | 12.89% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $482 | — | $482 | 10.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $186 | $186 | 3.86% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $43 | $43 | 0.89% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $284 | $75 | $359 | 12.64% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $284 | — | $284 | 10.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $123 | $123 | 4.33% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $23 | $23 | 0.81% |
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 | 132 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 191 | $967K |
| Dental | METROPOLITAN LIFE INSURNACE COMPANY | 255 | $74K |
| Vision | METROPOLITAN LIFE INSURNACE COMPANY | 255 | $74K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $28K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $12K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 26 | $19K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 191 | $967K |
| Other(5 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 191 | $992K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.