| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $17K | $0 | $17K | 3.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $17K | $0 | $17K | 3.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2502 NORTH ROCKY POINT DRIVE TAMPA, FL 33607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.02% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $312 | $2K | 4.59% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $929 | $74 | $1K | 2.74% |
| STEPHANIE SHEPPA3 | 3687 IMPERIAL RIDGE WAY PALM HARBOR, FL 34684 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $653 | $0 | $653 | 1.79% |
| GRADY VAUGHN3 | P.O. BOX 38099 COLORADO SPRINGS, CO 80937 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $136 | $0 | $136 | 0.37% |
| MJ INSURANCE3 Filed as: INSURANCE ACCENTS & VARIOUS AGENTS | 18091 EAST KEPNER DRIVE AURORA, CO 80017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $6 | $28 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES INC | 50 PALMETTO BAY ROAD HILTON HEAD, SC 29928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DAVIS VISION | 707 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 413 | $465K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 413 | $465K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 430 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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.