| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COASTAL WORKPLACE BENEFITS, LLC3 Filed as: COASTAL WORKPLACE BENEFITS LLC | 3660 HIGGINS RD MOBILE, AL 36619 | GUARDIAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 14.58% |
| COASTAL WORKPLACE BENEFITS, LLC3 Filed as: COASTAL WORKPLACE, LLC | PO BOX 8032 MOBILE, AL 36689 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.35% |
| COASTAL WORKPLACE BENEFITS, LLC3 Filed as: COASTAL WORKPLACE, LLC | PO BOX 8032 MOBILE, AL 36689 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.64% |
| COASTAL WORKPLACE BENEFITS, LLC3 Filed as: COASTAL WORKPLACE, LLC | PO BOX 8032 MOBILE, AL 36689 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $928 | $4K | 19.84% |
| COASTAL WORKPLACE BENEFITS, LLC3 Filed as: COASTAL WORKPLACE BENEFITS LLC | 3660 HIGGINS RD MOBILE, AL 36619 | METROPOLITAN LIFE INSURANCE COMPANY | $382 | $0 | $382 | 2.04% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $166 | $166 | 0.89% |
| COASTAL WORKPLACE BENEFITS, LLC3 Filed as: COASTAL WORKPLACE, LLC | PO BOX 8032 MOBILE, AL 36689 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $966 | $258 | $1K | 19.01% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 36 | $228K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 173 | $115K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 173 | $115K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $6K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 36 | $228K |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 173 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.