| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGAN R SILVERMAN3 Filed as: MEGAN RAE SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61K | $3K | $64K | 13.73% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH AND BENEFITS | 8445 KEYSTONE CROSSING STE 200 INDIANAPOLIS, IN 46240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34K | — | $34K | 7.39% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $4K | $5K | 1.13% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 1.06% |
| JENNIFER MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $614 | $6 | $620 | 0.13% |
| ZACHARY EUGENE VICKERS3 | 24 S LOCUST ST MARIETTA, PA 17547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $600 | $8 | $608 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| DOMINIC STEPHEN SICILIANO3 | 4774 SUNFLOWER RIDGE DRIVE ADA, MI 49301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ELIZABETH LLOYD3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH AND BENEFITS | 8445 KEYSTONE CROSSING STE 200 INDIANAPOLIS, IN 46240 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 14.00% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $484K |
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 | 934 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,853 | $515K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 552 | $466K |
| Stop-loss / reinsurancereinsurance | SUN LIFE - STEALTH PARTNER GROUP | 934 | $1.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,853 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,853 | — |
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.
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.