| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURNACE COMPANY | $10K | $3K | $13K | 13.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURNACE COMPANY | — | $1K | $1K | 1.19% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $391 | $3K | 11.41% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN 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 ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $217 | $217 | 0.79% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $319 | $2K | 11.71% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $934 | — | $934 | 5.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $747 | $747 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $177 | $177 | 0.95% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | 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 | — | $1K | 7.50% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $285 | $2K | 12.01% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $709 | — | $709 | 5.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $568 | $568 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $158 | $158 | 1.11% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $224 | $2K | 11.69% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $664 | — | $664 | 5.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $531 | $531 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $124 | $124 | 0.93% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $189 | $2K | 11.42% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN 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 | — | $531 | $531 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $105 | $105 | 0.79% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $949 | $198 | $1K | 12.09% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $474 | — | $474 | 5.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $380 | $380 | 4.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $110 | $110 | 1.16% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $711 | $71 | $782 | 11.00% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $711 | — | $711 | 10.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $284 | $284 | 3.99% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $40 | $40 | 0.56% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $562 | $64 | $626 | 11.14% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $562 | — | $562 | 10.00% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $225 | $225 | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $35 | $35 | 0.62% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 199 | $1.0M |
| Dental | METROPOLITAN LIFE INSURNACE COMPANY | 207 | $101K |
| Vision | METROPOLITAN LIFE INSURNACE COMPANY | 207 | $101K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 148 | $37K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $13K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 48 | $33K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 199 | $1.0M |
| Other(6 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 199 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.