| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD R MCCALL II | 1120 20TH PL VERO BEACH, FL 32960 | AETNA LIFE INSURANCE CO. | $32K | — | $32K | 4.84% |
| THE MCCALL AGENCY INC Filed as: MCCALL AGENCY INC | 1120 20TH PL VERO BEACH, FL 32960 | FOUR EVER LIFE INS. CO | $15K | $7K | $22K | 12.00% |
| THE MCCALL AGENCY INC Filed as: MCCALL AGENCY INC | 1120 20TH PL VERO BEACH, FL 32960 | VISION SERVICE PLAN | $7K | — | $7K | 9.17% |
| THE MCCALL AGENCY INC3 | 1120 20TH PLACE VERO BEACH, FL 32960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32K | $0 | $32K | — |
| MICHAEL CASTRO3 | 106 SCENIC DRIVE BERLIN, CT 06037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $0 | $27K | — |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $796 | $4K | — |
| BRIAN R WADE3 Filed as: BRIAN WADE | 925 ORONOKE ROAD WATERBURY, CT 06708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | — |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $59 | $3K | — |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | $33 | $299 | — |
| EDWARD JOHN MCNEIL3 | 9 ACORN CIRCLE MEDFIELD, MA 02052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $64 | $122 | — |
| LISHA NUNES3 | 66 HOWARD STREET NEWINGTON, CT 06111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | — |
| STANLEY ZALESKI3 | 8916 CROWN COLONY BLVD FT MYERS, FL 33908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | — |
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 | 1,576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO | 22 | $187K |
| Vision | VISION SERVICE PLAN | 694 | $76K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,576 | $654K |
| Short-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,576 | $654K |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,576 | $654K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,576 | — |
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.