Coastal Enterprises of Jacksonville
Updated Filing received by DOL
Coastal Enterprises of Jacksonville, a construction employer in Jacksonville, North Carolina, reported 559 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 1 insurance contract with no premium reported and $851,708 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received an amended filing on September 22, 2026; the original filing date is not in the public dataset.
Who was paid on Coastal Enterprises of Jacksonville's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Coastal Enterprises of Jacksonville filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Benefit Source, Inc. · Greenville, SC | $0 | $294,823 | $294,823 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Pan American Life Insurance Companyhealth, dental, life, short-term disability, prescription drug, indemnity | 718 | — | $851,708 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Coastal Enterprises of Jacksonville compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 575 | 559 | −2.8% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $804,096 | $851,708 | +5.9% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Coastal Health and Welfare Plan#506 · amended · insurance, general assets | December 31, 2025 | September 22, 2026 | amended filing; original date not in data | 559 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Coastal Enterprises of Jacksonville pay in health insurance broker commissions in 2025?
Coastal Enterprises of Jacksonville's 2025 Form 5500 reports $851,708 in broker commissions and fees across 1 insurance contracts ($556,885 in commissions, $294,823 in fees), with Benefit Source, Inc. receiving the largest share.
Is Coastal Enterprises of Jacksonville's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Pan American Life Insurance Company.
How does Coastal Enterprises of Jacksonville's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Coastal Enterprises of Jacksonville because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.