| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.85% |
| ANDREW SILBERT3 Filed as: ANDREW M. SILBERT | 195 FAIRFIELD AVENUE WEST CALDWELL, NJ 07006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $32 | $1K | 3.20% |
| MJ INSURANCE3 Filed as: DONNA V. WERNER AND VARIOUS AGENTS | PO BOX 684 FOREST PARK, IL 60130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $86 | $1K | 2.76% |
| GARY D DAVIS3 Filed as: GARY D. DAVIS | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $451 | $26 | $477 | 1.14% |
| ADVANCED ENROLLMENT SERVICES INC3 | 309 IRONWOODS DRIVE CHAPEL HILL, NC 27516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $216 | $2 | $218 | 0.52% |
| LISA MARIE KLEIN3 | 1732 OAK PARK LANE HELENA, AL 35080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | $28 | $169 | 0.40% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH ROAD COLUMBIA, SC 29210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $5 | $168 | 0.40% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 53 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 53 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.