| 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. | — | $181K | $181K | 4.72% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVE. OF THE AMERICAS, 18TH FL NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY | $14K | $18K | $32K | 4.68% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $4K | $24K | 17.86% |
| LANDA & LANDA LLC3 | 1012 EWALL STREET MOUNT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $1K | $2K | $3K | 3.41% |
| 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 | — | $3K | 2.98% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $2K | — | $2K | 2.10% |
| PALMETTO BENEFIT SOLUTIONS LLC3 | 735 COLEMAN BLVD.-APT 313 MOUNT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $442 | $866 | $1K | 1.43% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $1K | $248 | $1K | 1.42% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $1K | — | $1K | 1.38% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES, LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $399 | $301 | $700 | 0.76% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $388 | — | $388 | 0.42% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $207 | $150 | $357 | 0.39% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP CORP. | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $281 | — | $281 | 0.31% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $278 | — | $278 | 0.30% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $158 | — | $158 | 0.17% |
| JUDITH I VIDAL3 | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $130 | — | $130 | 0.14% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DRIVE GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $125 | — | $125 | 0.14% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $86 | — | $86 | 0.09% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 1172 SE 3RD TERRACE DEERFIELD BEACH, FL 33441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $76 | — | $76 | 0.08% |
| MARIA D KADALA3 | 1830 N UNIVERSITY DRIVE PLANTATION, FL 33322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $55 | — | $55 | 0.06% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $55 | — | $55 | 0.06% |
| CANDICE KLEE3 | 3475 NW 1ST COURT POMPANO BEACH, FL 33069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $51 | — | $51 | 0.06% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $46 | — | $46 | 0.05% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $42 | — | $42 | 0.05% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $36 | — | $36 | 0.04% |
| CORY JOSEPH FANECA3 | 3308 50TH AVE EAST BRADENTON, FL 34203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $33 | — | $33 | 0.04% |
| DONALD B FAULKNER SR3 | 612 IVY GREEN LANE IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $22 | — | $22 | 0.02% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $21 | — | $21 | 0.02% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $19 | — | $19 | 0.02% |
| LESLIE BRERETON3 | 2125 NE 63RD COURT FT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $14 | — | $14 | 0.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC. | 3357 POLK STREET NE MINNEAPOLIS, MN 55418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $11 | — | $11 | 0.01% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $3 | — | $3 | 0.00% |
| WILLIAM COVINGTON3 | 1106 BROOKHOLLOW DRIVE DEER PARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $3 | — | $3 | 0.00% |
| THEODORE JAMES MCGONIGAL3 | 3525 BELLAND CIRCLE CLEMONT, FL 34711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPAMY | $2 | — | $2 | 0.00% |
| KENNETH B BOYLES3 Filed as: KENNETH B. BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | 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 | $12K | $2K | $14K | 17.30% |
| FMLASOURCE INC3 Filed as: FMLASOURCE INC. | 455 N CITYFRONT PLAZA DRIVE-13TH FL CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 13.36% |
| KRAUTER & COMPANY, LLC3 | 1350 AVE. OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.62% |
| KRAUTER & COMPANY, LLC3 | 1350 AVE. OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 20.77% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.21% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | NCB - 88, PO BOX 1414 MINNEAPOLIS, MN 55480 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | — | $32 | 4.57% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | — | $13 | 1.86% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 1.71% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 1.14% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT. LAUDERDALE, FL 33308 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.43% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.29% |
| 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 | 0.29% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 1172 SE 3RD TERRACE DEERFIELD BEACH, FL 33441 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.29% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.14% |
| 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 | 0.14% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.14% |
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 | 676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 659 | $4.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 659 | $680K |
| Vision | AETNA LIFE INSURANCE COMPANY | 659 | $680K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 676 | $79K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $108K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $202K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 676 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.