| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | PO BOX 551343 ATLANTA, GA 303553700 | UNITED HEALTHCARE INSURANCE COMPANY | $52K | $0 | $52K | 9.84% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORDIA | PO BOX 551343 ATLANTA, GA 30355 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 33.31% |
| GREG W WOOLLEY3 | 15492 CLIFFVIEW DR. MONTCLAIR, VA 22025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $376 | $2K | 12.12% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES | 5501 TWIN KNOLLS ROAD SUITE 106 COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $574 | $509 | $1K | 5.54% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E. SPYGLASS HILL DRIVE FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | $172 | $441 | 2.25% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | $28 | $290 | 1.48% |
| INSPIRED INC3 Filed as: INSPIRED INC. | 50 LAGOSHEN DRIVE MASCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $43 | $228 | 1.17% |
| ZACHARY EUGENE VICKERS3 | 24 S. LOCUST STREET MARIETTA, PA 17547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.08% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 133 | $524K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 133 | $524K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 133 | $524K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $20K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $20K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.