| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILBERT INSURANCE AGENCY INC3 | P.O. BOX 688 SHARON, PA 16146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 5.85% |
| CHRISTOPHER L MOLDAS3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 5.00% |
| DIANA GILLESPIE3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $770 | $5K | 1.72% |
| CAROL JANE RILEY3 | 13911 LISBON ROAD SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $68 | $3K | 1.13% |
| DANEEN MARIE PURPURA3 Filed as: DANEEN MARIE PUPURA | 4228 ROYALWOOD ROAD N. ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $31 | $2K | 0.70% |
| KAREN L VARGO3 | 949 SHOREWOOD DR FREMONT, OH 43420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $78 | $2K | 0.62% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $73 | $2K | 0.55% |
| LAUREL ANN ARNOLD3 | 10259 THISTLE CT BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $919 | — | $919 | 0.33% |
| GERALD A GREENEN3 | 1212 S. NAPER BLVD NAPERVILLE, IL 60540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $392 | $28 | $420 | 0.15% |
| KAITLYN VICTORIA BAUNE3 | 10701 DARNEAL DR FOUNTAIN, CO 80817 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 0.09% |
| VICKY LYN SWANSON3 | 755 AMBERGLEN COURT COLORADO SPRINGS, CO 80906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 0.07% |
| GRUDN BENEFIT ADVISORS LLC3 | 14669 MEREDITH AVE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $4 | $105 | 0.04% |
| KATIE ELIZABETH KELLEY3 | 2720 S HIGHLAND AVE APT 531 LOMBARD, IL 60148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.02% |
| TERI LYNN WHITE3 | 2890 DUNBARTON AVE NW CANTON, OH 44708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.02% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $13 | $33 | 0.01% |
| MICHAEL J SWANSON3 | 7734 MORLEY RD MENTOR, OH 44060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.01% |
| HENRY J SAMAAN3 Filed as: HENRY JACOB SAMAAN | 19W152 21ST PLACE LOMBARD, IL 60148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $10 | $30 | 0.01% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 23 CROYDON LN OAK BROOK, IL 60523 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| EDWARD JOSEPH CORBETT3 | 6185 S PARIS STREET GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $5 | $19 | 0.01% |
| ABRAHAM ALEXANDER ZUGELJ3 | 1355 BUCKINGHAM GATE BLVD #13 CUYAHOGA FALLS, OH 44221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| GIAN M WESOLEK3 | 114 LAKE WOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| INFINIUM ENTERPRISES LLC3 | 4924 ESATRIDGE DR OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GILBERTS INSURANCE AGENCY INC Filed as: GILBERTS INSURANCE AGENCY | 30 E STATE STREET SHARON, PA 16146 | UNITED CONCORDIA INSURANCE COMPANY | $10K | — | $10K | 8.00% |
| GILBERT INSURANCE AGENCY INC3 | 30 E STATE STREET SHARON, PA 16146 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 5.00% |
| GILBERT INSURANCE AGENCY INC3 | 30 E STATE STREET SHARON, PA 16146 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.45% |
| GILBERT INSURANCE AGENCY INC3 | P.O. BOX 688 SHARON, PA 16146 | THE PAUL REVERE LIFE INSURANCE COMPANY | $334 | — | $334 | 5.95% |
| DIANA GILLESPIE3 | 353 EXCEL LANE MOGADORE, OH 44260 | THE PAUL REVERE LIFE INSURANCE COMPANY | $247 | — | $247 | 4.40% |
| CAROL JANE RILEY3 | 13911 LISBON ROAD SALEM, OH 44460 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.48% |
| LAUREL ANN ARNOLD3 | 10259 THISTLE CT BROADVIEW HEIGHTS, OH 44147 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.48% |
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 | 263 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 197 | $121K |
| Vision | VISION BENEFITS OF AMERICA | 147 | $37K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 297 | $292K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 297 | $287K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 216 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
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.