| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD R MCCALL II Filed as: RONALD R MCCALL | 1120 20TH PL. VERO BEACH, FL 32960 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 7.31% |
| THE MCCALL AGENCY INC Filed as: THE MCCALL AGENCY, INC. | 1120 20TH PL. VERO BEACH, FL 32960 | FOUR EVER LIFE INS. CO | $14K | $7K | $21K | 12.00% |
| THE MCCALL AGENCY INC Filed as: MCCALL AGENCY INC. | 1120 20TH PL. VERO BEACH, FL 32960 | VISION SERVICE PLAN | $7K | — | $7K | — |
| THE MCCALL AGENCY INC3 Filed as: THE MCCALL AGENCY, INC. | 1120 20TH PL. VERO BEACH, FL 32960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | — | $30K | — |
| MICHAEL CASTRO3 | 106 SCENIC DRIVE BERLIN, CT 06037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | — | $28K | — |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $446 | $4K | — |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 06111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | — |
| BRIAN R WADE3 | 925 ORONOKE RD WATERBURY, CT 06708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | — |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $932 | — | $932 | — |
| EDWARD H SPATER3 | PO BOX 351 EAST BROOKFIELD, MA 01515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $633 | — | $633 | — |
| DEAN BERNAT3 | 11-A NORTH HARBOR ST BRANDFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $598 | — | $598 | — |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $562 | — | $562 | — |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $521 | — | $521 | — |
| CARMELO VINCI3 | 36 CARMELA DR MIDDLETOWN, CT 06457 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $512 | — | $512 | — |
| MEGAN Z CULVER3 | 3 GORING PL WAPPINGERS FALL, NY 12590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | — | $372 | — |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $312 | — | $312 | — |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL RD. LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | $4 | $281 | — |
| CAROL JACQUES3 | 25 LAKE DRIVE SOMERS, CT 06071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | — |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | — |
| MICHAEL C WALKER3 Filed as: MICHAEL MASSARELLI | 536 A BERLIN ST SOUTHINGTON, CT 06489 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | — |
| RONALD OLIANO3 | 9 LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | — |
| CLAIRE ZDANIS3 | 374 MAPLE HILL AVE NEWINGTON, CT 06111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | — |
| JAMES H CROUTHAMEL3 | 1308 CUSHMORE RD SOUTHAMPTON, PA 19866 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | — |
| LAURIE J BURNS3 | 15 CEDARS EDGE CT BLUFFTON, SC 29910 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | — |
| DAVID J ROBERTS3 | 167 NAVINS RD HENRIETTA, NY 14467 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | — |
| MARY KATHERINE TORRENCE3 | 51 MAGNOLIA ST MALDEN, MA 02148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | — |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | — |
| LISHA NUNES3 | 66 HOWARD ST NEWINGTON, CT 06111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | — |
| JOHN FOXX3 Filed as: JOHN FOX | 15 SANDPIPER RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | — |
| STANLEY ZALESKI3 | 8916 CROWN COLONY BLVD FT. MYERS, FL 33908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | — |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | — |
| BENEFIT COMMUNICATIONS INC3 | 66 HOWARD ST NEWINGTON, CT 06111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| CHALSEE CANTRELL3 | 1007 THISTLE DR MESQUITE, TX 75149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | — |
| WALLACE I LOHR3 | 306 CAT TRAIL LANE MANCHESTER, CT 06042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | — |
| APRIL MECHATTO3 | 839 REUNION CIRCLE PLAVE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| PENELOPE DEAN KENNY3 Filed as: PENELOPE EMMEN DEAN | 3600 S OCEAN BLVD S PALM BEACH, FL 33480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
| JACQUELINE BARTHELEMY3 Filed as: JACQUELINE MARIE STUEMKY | 10208 MIDDLE DARLEEN LEANDER, TX 78641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
| ELIOT F MORRISON3 | 5 FIELD RD DANBURY, CT 06811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
| THE MCCALL AGENCY INC3 Filed as: THE MCCALL AGENCY, INC. | 1120 20TH PL. VERO BEACH, FL 32960 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $870K |
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 | 1,124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO | 18 | $176K |
| Vision | VISION SERVICE PLAN | 727 | $0 |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 5,122 | $210K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,577 | $210K |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 5,122 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,122 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.