| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCALL AGENCY INC Filed as: MCCALL AGENCY | 1120 20TH PL VERO BEACH, FL 32960 | VISION SERVICE PLAN | $6K | — | $6K | — |
| THE MCCALL AGENCY INC3 Filed as: MCCALL AGENCY INC | 1120 20TH PL VERO BEACH, FL 32960 | HARTFORD LIFE AND ACCIDENT | $58K | $0 | $58K | — |
| THE MCCALL AGENCY INC3 | 1120 20TH PL VERO BEACH, FL 32960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | — | $18K | — |
| MICHAEL CASTRO3 | 106 SCENIC DR BERLIN, CT 06037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | — | $16K | — |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $940 | — | $940 | — |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $776 | — | $776 | — |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $734 | — | $734 | — |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $486 | — | $486 | — |
| BRIAN R WADE3 | 925 ORONOKE RD WATERBURY, CT 06708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $473 | — | $473 | — |
| EDWARD H SPATER3 | PO BOX 351 EAST BROOKFIELD, MA 01515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $473 | — | $473 | — |
| MEGAN Z CULVER3 | 3 GORING PL WAPPINGERS FALLS, NY 12590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | — | $257 | — |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | — | $242 | — |
| CAROL JACQUES3 | 2311 CANYON RIDGE DR BROADBROOK, CT 06016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | — |
| MICHAEL C WALKER3 Filed as: MICHAEL MASSARELLI | 536 A BERLIN ST SOUTHINGTON, CT 06489 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | — |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL RD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | — |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | — |
| RONALD OLIANO3 | 9 LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | — |
| CLAIRE ZDANIS3 | 374 MAPLE HILL AVE NEWINGTON, CT 06111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | — |
| DEAN BERNAT3 | 11-A NORTH HARBOR ST BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | — |
| JAMES H CROUTHAMEL3 | 1308 CRUSHMORE RD SOUTHAMPTON, PA 18966 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | — |
| MARY KATHERINE TORRENCE3 | 51 MAGNOLIA ST MALDEN, MA 02148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | — |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | — |
| DAVID J ROBERTS3 | 167 NEVINS RD HENRIETTA, NY 14467 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | — |
| LISHA NUNES3 | 66 HOWARD ST NEWINGTON, CT 06111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | — |
| LAURIE J BURNS3 | 15 CEDARS EDGE CT BLUFFTON, SC 29910 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | — |
| JOHN FOXX3 | 15 SANDPIPER RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | — |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| BENEFITS COMMUNICATIONS INC. (BCI)3 Filed as: BENEFITS COMMUNICATIONS INC | 2977 SIDCO DR NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | — |
| CHALSEE CANTRELL3 Filed as: CHALSEE DENE CANTRELL | 5407 COUNTRY ROAD 1042 CELESTE, TX 75423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| STANLEY ZALESKI3 | 8916 CROWN COLONY BLVD FT. MYERS, FL 33908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| PAM ENTERPRISES INC3 | 839 REUNION CIRCLE PLACE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | — |
| WALLACE I LOHR3 | 306 CAT TAIL LANE MANCHESTER, CT 06042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | — |
| PENELOPE ELLEN DEAN3 | 1502 ASHFORD AVE SAN JUAN, PR 00907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
| ELIOT F MORRISON3 | 5 FIELD RD DANBURY, CT 06811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
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 | 1,046 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,046 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 707 | $0 |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,920 | $0 |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,920 | $0 |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,920 | $0 |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE CO. | 1,046 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,920 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.