| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $433 | $2K | 2.37% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $320 | $666 | $986 | 1.35% |
| ANTHONY SCOTT WATERS3 Filed as: ANTHONY WATERS | 3662 DAUPHIN ST STE 1A MOBILE, AL 366081217 | METROPOLITAN LIFE INSURANCE COMPANY | $320 | — | $320 | 0.44% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $251 | $4K | 10.77% |
| 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% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS RD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.58% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $209 | $209 | 0.64% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $138 | $138 | 0.42% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $202 | $3K | 10.78% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS RD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $979 | $979 | 3.77% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $168 | $168 | 0.65% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $61 | $61 | 0.23% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $174 | $2K | 10.76% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS RD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $856 | $856 | 3.72% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $144 | $144 | 0.63% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $64 | $64 | 0.28% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $167 | $2K | 10.98% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $858 | — | $858 | 5.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS RD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $627 | $627 | 3.65% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $139 | $139 | 0.81% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $59 | $59 | 0.34% |
| 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% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $112 | $112 | 0.66% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $126 | $2K | 10.87% |
| 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% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS RD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $518 | $518 | 3.57% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $105 | $105 | 0.72% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $63 | $63 | 0.43% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $953 | $119 | $1K | 11.25% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $476 | — | $476 | 5.00% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS RD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $337 | $337 | 3.54% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $99 | $99 | 1.04% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $44 | $44 | 0.46% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $761 | $58 | $819 | 10.77% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $761 | — | $761 | 10.01% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS RD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $277 | $277 | 3.64% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $49 | $49 | 0.64% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $27 | $27 | 0.35% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR. SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $483 | $53 | $536 | 11.09% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART & ASSOCIATES | 501 BISHOP LN N MOBILE, AL 36608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $483 | — | $483 | 9.99% |
| COASTAL WORKPLACE BENEFITS, LLC3 | 3660 HIGGINS RD MOBILE, AL 36619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $168 | $168 | 3.48% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $44 | $44 | 0.91% |
| HERBORT, ERICA R3 | 37 BROADWAY 2ND FLOOR NORTH HAVEN, CT 06473 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $26 | $26 | 0.54% |
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 | 137 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 168 | $998K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $73K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $73K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $42K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $17K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 56 | $49K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 168 | $998K |
| Other(6 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 168 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.