| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COORDINATED BENEFITS COMPANY LLC3 | 923 NORTH PLUM GROVE RD STE C SCHAUMBURG, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 14.96% |
| COORDINATED BENEFITS COMPANY LLC3 | 923 NORTH PLUM GROVE RD STE C SCHAUMBURG, IL 60173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 120.00% |
| JANTELLE LAVONNE BONNER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 27.63% |
| ELAISIUS BONNER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 23.39% |
| JCASELLANOS AN ASSOCIATES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $109 | $3K | 19.20% |
| HAROLD ANTHONY EDWARDS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $794 | $3K | 18.88% |
| REBECCA STERNBERG3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 14.84% |
| NORMAC SOLUTIONS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3 | $2K | 10.51% |
| YESENIA A SANCHEZ3 Filed as: YESENIA A HERNANDEZ | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $68 | $1K | 6.90% |
| DAVID TODD WEINSTEIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $771 | — | $771 | 4.88% |
| NATASHA PALMER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $534 | $3 | $537 | 3.40% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $402 | $114 | $516 | 3.27% |
| MICHAEL BLOCK3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $463 | — | $463 | 2.93% |
| BETHANIE MOSHER WILLIAMS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | $41 | $412 | 2.61% |
| ERIN WIGGINS3 Filed as: ERIN COLEEN LANINGA | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | — | $292 | 1.85% |
| JOSHUA T JONES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | — | $244 | 1.54% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN M JONES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | — | $207 | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STACY J BROWN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.83% |
| WILLETTA GRAVES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.31% |
| DAVID J MCCLELLAN3 Filed as: DAVID GORDON EARL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.30% |
| BARBARA BAROS3 Filed as: BARBARA LAKE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.20% |
| ROBERTA DICKINSON3 Filed as: ROBERTA J BAKKEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.13% |
| NORTH FLORIDA BENEFIT SOLUTIONS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.07% |
| TODD BOOZER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 13 | $16K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $100K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $100K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 13 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.