| 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 | $33K | — | $33K | 6.88% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY, SUITE 400 RANCHO SANTA MARGARITA, CA 92688 | PREMIER ACCESS INSURANCE COMPANY | $18K | — | $18K | 3.77% |
| HILL INSURANCE SERVICES LLC3 | 14350 N. 87TH STREET, SUITE 115 SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.99% |
| BENEFIT COORDINATOR3 | P.O. BOX 727 ARTESIA, CA 92702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $12 | $178 | 0.31% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $10 | $176 | 0.31% |
| SARAH COURTNEY KNAPP3 | 61 SKLAR LADERA RANCH, CA 92694 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $10 | $176 | 0.31% |
| ELIZABETH J DOWNEY3 Filed as: ELIZABETH J. DOWNEY | 2883 OAKWOOD DRIVE PORT HURON, MI 48060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.19% |
| BENJAMIN MOSQUEDA3 | 2855 CROCKERY SHORES ROAD CASNOVIA, MI 49318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 396 | $474K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 396 | $474K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 410 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.