| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM HERTZOG | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $713 | $20K | 9.77% |
| PATRICIA HERTZOG3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $905 | $7K | 3.52% |
| SHARON IGNASIAK3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $69 | $3K | 1.23% |
| DEBORAH WILLHITE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 0.55% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS, INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $964 | — | $964 | 0.47% |
| KATHLEEN BYRNE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $603 | $9 | $612 | 0.30% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HORNE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.04% |
| HELEN MCCREADY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID SMELCER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC. | — | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 10.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE. STE. 1601 CLEVELAND, OH 44114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $615 | $11K | 10.60% |
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 | 339 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $102K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 339 | $325K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 204 | $206K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 339 | $119K |
| Other | HARTFORD LIFE AND ACCIDENT | 339 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.