| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | AETNA HEALTH, INC. | — | $214K | $214K | 5.24% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVE. OF THE AMERICAS, 18TH FL NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY | $14K | $20K | $33K | 4.86% |
| KRAUTER & COMPANY, LLC3 | 1350 AVE. OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $3K | $26K | 16.75% |
| LANDA & LANDA LLC3 | 1012 EWALL STREET MOUNT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $1K | $4K | $5K | 4.48% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | NCB - 88, PO BOX 1414 MINNEAPOLIS, MN 55480 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $3K | $35 | $3K | 2.63% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $1K | $50 | $1K | 1.23% |
| PALMETTO BENEFIT SOLUTIONS LLC3 | 735 COLEMAN BLVD.-APT 313 MOUNT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $353 | $725 | $1K | 0.91% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES, LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $332 | $140 | $472 | 0.40% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $468 | — | $468 | 0.40% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $312 | $19 | $331 | 0.28% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $168 | $149 | $317 | 0.27% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP CORP. | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $304 | $3 | $307 | 0.26% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $258 | — | $258 | 0.22% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $172 | — | $172 | 0.15% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DRIVE GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $143 | $6 | $149 | 0.13% |
| JUDITH I VIDAL3 | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $136 | — | $136 | 0.11% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $87 | — | $87 | 0.07% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $86 | — | $86 | 0.07% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $85 | — | $85 | 0.07% |
| DONALD B FAULKNER SR3 | 612 IVY GREEN LANE IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $79 | $3 | $82 | 0.07% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $70 | $5 | $75 | 0.06% |
| MARIA D KADALA3 | 1830 N UNIVERSITY DRIVE PLANTATION, FL 33322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $73 | $2 | $75 | 0.06% |
| LESLIE BRERETON3 | 2125 NE 63RD COURT FT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $67 | — | $67 | 0.06% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $56 | — | $56 | 0.05% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $56 | — | $56 | 0.05% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $53 | — | $53 | 0.04% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $39 | $6 | $45 | 0.04% |
| CANDICE KLEE3 | 3475 NW 1ST COURT POMPANO BEACH, FL 33069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $44 | — | $44 | 0.04% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $29 | $8 | $37 | 0.03% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC. | 6481 TANAGER LANE EDEN PRAIRIE, MN 55346 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $32 | $4 | $36 | 0.03% |
| CORY JOSEPH FANECA3 | 3308 50TH AVE EAST BRADENTON, FL 34203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $33 | — | $33 | 0.03% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $4 | $14 | $18 | 0.02% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $3 | $3 | $6 | 0.01% |
| JOSEPH WILLIAM BAKER3 | 10622 DESERT SPRINGS CIRCLE HOUSTON, TX 77095 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $5 | — | $5 | 0.00% |
| WILLIAM COVINGTON3 | 1106 BROOKHOLLOW DRIVE DEER PARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $5 | — | $5 | 0.00% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $5 | — | $5 | 0.00% |
| THEODORE JAMES MCGONIGAL3 | 3525 BELLAND CIRCLE CLEMONT, FL 34711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $5 | — | $5 | 0.00% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $3 | — | $3 | 0.00% |
| KENNETH B BOYLES3 Filed as: KENNETH B. BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $2 | — | $2 | 0.00% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $1 | — | $1 | 0.00% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.54% |
| KRAUTER & COMPANY, LLC3 | 1350 AVE. OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $1K | $12K | 16.93% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | NCB - 88, PO BOX 1414 MINNEAPOLIS, MN 55480 | THE PAUL REVERE LIFE INSURANCE COMPANY | $48 | — | $48 | 3.10% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | — | $19 | 1.23% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 1.10% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.97% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT. LAUDERDALE, FL 33308 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.32% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.19% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S BOCA RATON, FL 33498 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.13% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.13% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.13% |
| WENDY BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS, INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.06% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 665 | $4.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 665 | $687K |
| Vision | AETNA LIFE INSURANCE COMPANY | 665 | $687K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 656 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $153K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | 656 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.