| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILL INSURANCE SERVICES LLC3 Filed as: HILL INSURANCE SERVICES | 14350 N. 87TH STREET, SUITE 115 SCOTTSDALE, AZ 85260 | PREMIER ACCESS INSURANCE COMPANY | $30K | — | $30K | 6.55% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY, SUITE 400 RANCHO SANTA MARGARITA, CA 92688 | PREMIER ACCESS INSURANCE COMPANY | $18K | — | $18K | 3.87% |
| HILL INSURANCE SERVICES LLC3 | 14350 N. 87TH STREET, SUITE 115 SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.62% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $43 | $231 | 0.58% |
| BENEFIT COORDINATOR3 | P.O. BOX 727 ARTESIA, CA 92702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $26 | $214 | 0.54% |
| SARAH COURTNEY KNAPP3 | 61 SKLAR LADERA RANCH, CA 92694 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $7 | $195 | 0.49% |
| ELIZABETH J DOWNEY3 Filed as: ELIZABETH J. DOWNEY | 2883 OAKWOOD DRIVE PORT HURON, MI 48060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.25% |
| BENJAMIN MOSQUEDA3 | 2855 CROCKERY SHORES ROAD CASNOVIA, MI 49318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 395 | $455K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 394 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.