| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | GULF GUARANTY LIFE | $14K | — | $14K | 15.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURNACE COMPANY | $8K | $2K | $10K | 15.09% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURNACE COMPANY | — | $1K | $1K | 1.51% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $322 | $3K | 11.16% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $126 | $126 | 0.45% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $144 | $2K | 10.73% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $983 | — | $983 | 5.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $786 | $786 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $56 | $56 | 0.28% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $278 | $2K | 11.82% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $762 | — | $762 | 5.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $610 | $610 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $106 | $106 | 0.70% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $154 | $2K | 11.06% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $583 | $583 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $61 | $61 | 0.42% |
| MICHAEL R COWART3 | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| JS BENEFITS INC3 | 2200 LAKESHORE DRIVE SUIT 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $255 | $2K | 12.00% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $637 | — | $637 | 5.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $510 | $510 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $99 | $99 | 0.78% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $164 | $1K | 11.58% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $520 | — | $520 | 5.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $416 | $416 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $62 | $62 | 0.60% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $612 | $78 | $690 | 11.28% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $612 | — | $612 | 10.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $245 | $245 | 4.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $30 | $30 | 0.49% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $409 | $46 | $455 | 11.11% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LANE N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $409 | — | $409 | 9.99% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $164 | $164 | 4.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $18 | $18 | 0.44% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 195 | $1.8M |
| Dental | METROPOLITAN LIFE INSURNACE COMPANY | 234 | $68K |
| Vision | METROPOLITAN LIFE INSURNACE COMPANY | 234 | $68K |
| Life insurance(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $53K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $13K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 44 | $35K |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 188 | $1.8M |
| Other(6 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 188 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.