| 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 | $13K | — | $13K | 4.59% |
| CHRISTOPHER L MOLDAS3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $491 | $10K | 3.67% |
| DIANA GILLESPIE3 | 353 EXCEL LANE MOGADORE, OH 44260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $266 | $4K | 1.32% |
| CAROL JANE RILEY3 | 13911 LISBON ROAD SALEM, OH 44460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $15 | $2K | 0.78% |
| DANEEN MARIE PURPURA3 | 4228 ROYALWOOD ROAD N. ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $19 | $1K | 0.52% |
| KAREN L VARGO3 | 949 SHOREWOOD DR FREMONT, OH 43420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $4 | $1K | 0.51% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.47% |
| LAUREL ANN ARNOLD3 | 10259 THISTLE CT BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $816 | — | $816 | 0.29% |
| GERALD A GREENEN3 | 1212 S. NAPER BLVD NAPERVILLE, IL 60540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $9 | $68 | 0.02% |
| GSD KATIE K MILLER INC | 30 SOUTHFORK RD DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.01% |
| GRUND BENEFIT ADVISORS LLC3 | 14669 MEREDITH AVE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| VICKY LYN SWANSON3 | 755 AMBERGLEN COURT COLORADO SPRINGS, CO 80906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| KAITLYN VICTORIA BAUNE3 | 10701 DARNEAL DR FOUNTAIN, CO 80817 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| HENRY J SAMAAN3 Filed as: HENRY JACOB SAMAAN | 19W152 21ST PLACE LOMBARD, IL 60148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| EDWARD JOSEPH CORBETT3 | 6185 S PARIS STREET GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 23 CROYDON LN OAK BROOK, IL 60523 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GILBERT INSURANCE AGENCY INC3 | 30 E STATE STREET SHARON, PA 16146 | UNITED CONCORDIA INSURANCE COMPANY | $9K | — | $9K | 8.01% |
| GILBERT INSURANCE AGENCY INC3 | P.O. BOX 688 SHARON, PA 16146 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 5.00% |
| GILBERTS INSURANCE AGENCY INC Filed as: GILBERTS INSURANCE AGENCY | 30 E STATE STREET SHARON, PA 16146 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.35% |
| GILBERT INSURANCE AGENCY INC3 | 30 E STATE STREET SHARON, PA 16146 | THE PAUL REVERE LIFE INSURANCE COMPANY | $191 | — | $191 | 5.53% |
| DIANA GILLESPIE | 353 EXCEL LANE MOGADORE, OH 44260 | THE PAUL REVERE LIFE INSURANCE COMPANY | $151 | — | $151 | 4.38% |
| CAROL JANE RILEY | 13911 LISBON ROAD SALEM, OH 44460 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.49% |
| LAUREL ANN ARNOLD | 10259 THISTLE CT BROADVIEW HEIGHTS, OH 44147 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.49% |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 191 | $117K |
| Vision | VISION BENEFITS OF AMERICA | 144 | $38K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 308 | $296K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 308 | $292K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 196 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.