| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DRIVE LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $5K | $16K | 9.85% |
| MARIA MCGLOTHEN3 | 1112 WARM CANYON WAY LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 7.83% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 5.00% |
| BENEFITTING YOU INC3 | 2497 CITRUS GARDEN CIR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 2.84% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA LLC | 375 EAST WARM SPRINGS RD LAS VEGAS, NV 89119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $407 | $4K | 2.21% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVE SACRAMENTO, CA 95820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $247 | $3K | 1.66% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $427 | $2K | 1.37% |
| KAREN SUZANNE SCHILLING3 | 7890 FORMITCH CT LAS VEGAS, NV 89166 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $516 | $2K | 1.20% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY W BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $381 | $1K | 0.84% |
| CATHY BUFFONE3 | 8255 LAS VEGAS BLVD S UNIT 180 LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $195 | $1K | 0.76% |
| ANTHONY THOMAS THIELGES3 | 8377 HIDDEN HILLS DR LAS VEGAS, NV 89123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $927 | $97 | $1K | 0.62% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY RD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $531 | $803 | 0.48% |
| DOMINIQUE LLYNN LLAUGER3 | 9814 OVERLOOK RIDGE AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | $337 | $765 | 0.46% |
| DEBORAH J BELLINO3 | 2012 LADY LAKE ST LAS VEGAS, NV 89128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $539 | $16 | $555 | 0.34% |
| GRAND GUILLORY3 | 5116 FURLONG WAY ANTIOCH, CA 94531 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336 | $134 | $470 | 0.28% |
| WENDY SUE GERSHOW3 | 3217 STAR AVE OAKLAND, CA 94619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $5 | $327 | 0.20% |
| MARIA GUADALUPE HARO VILLAESCUSA3 | 756 LAST DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | $64 | $315 | 0.19% |
| ALIDA J REJON3 | 2501 S OCEAN DR APT 734 HOLLYWOOD, FL 33019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | — | $249 | 0.15% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $78 | $203 | 0.12% |
| JOAN RANCE3 | 434 CRESTWAY RD HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $4 | $194 | 0.12% |
| VINCENT A LLAUGER3 | 9814 OVERLOOK RIDGE AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $136 | $192 | 0.12% |
| LYSA MILLAR AYRES3 | 432 HUGO ST SAN FRANCISCO, CA 94122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $17 | $173 | 0.10% |
| KATHRYN LAUREL MCLAREN3 | 1000 NORTHWOOD DR GALESBURG, IL 61401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.03% |
| JAN HEJRET3 | 644 N 17TH ST SAN JOSE, CA 95112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $25 | $36 | 0.02% |
| LAURA RUNYEON3 | 981 QUARRY STREET PETALUMA, CA 94954 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $10 | $33 | 0.02% |
| PAMELA KAY LONG3 | 200 S LEXINGTON DR APT 615 FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $2 | $29 | 0.02% |
| MANDEEP TEJA3 | 1548 SAINT FRANCIS DR SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $9 | $20 | 0.01% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| VIP INSURANCE INC3 | 18 STONEMARK DR HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| NORTHROP AND ASSOCIATES3 | 2505 ANTHEM VILLAGE DR STE E-1 HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 145 | $166K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 145 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.