| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $2K | $22K | 3.27% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 5905 E GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR SUITE 2000 CHICAGO, IL 60606 | AMERICAN UNITED LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| HUMMEL GROUP INC3 | PO BOX 3 ORRVILLE, OH 44667 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $5K | $5K | 2.11% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $131 | $7K | 5.40% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $128 | $7K | 5.35% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $355 | $4K | 3.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR CHICAGO, IL 60606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $563 | — | $563 | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $442 | — | $442 | 0.36% |
| DIANA GILLESPIE3 | 3706 VALLEY FORGE DR STOW, OH 44224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | — | $373 | 0.30% |
| HUMMEL GROUP INC3 | P.O BOX 3 ORRVILLE, OH 44667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | — | $302 | 0.24% |
| STEVEN M MAMICK3 | 1127 FIRESIDE TRAIL BROADVIEW HEIGHTS, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.17% |
| DAVID L SMELCER3 | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 0.08% |
| PETE LEE DOMINGUEZ3 | 7550 HILLSIDE DR AMARILLO, TX 79119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $1 | $42 | 0.03% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD CLEVELAND, OH 44131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.03% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH A. WILLHITE | 3619 1/2 PONCIANA AVENUE AKRON, OH 44319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| HELEN RODRIGUEZ-BURTON3 | PO BOX 10021 AMARILLO, TX 79116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | PO BOX 93225 CHICAGO, IL 606733225 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 12.49% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $83 | $2K | 2.83% |
| RITA A FOUBERT3 | 4888 110TH ST MONTEZUMA, IA 50171 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $624 | $2K | 2.81% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $18 | $2K | 2.75% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $18 | $2K | 2.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR CHICAGO, IL 60606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.63% |
| LATISHA D. EMBRAY3 Filed as: LATISHA DIANE EMBRAY | 1952 HWY 5 KNOXVILLE, IA 50138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $301 | $592 | 0.89% |
| HUMPHRIES & ASSOCIATES INC3 | 408 N B STREET MONMOUTH, IL 61462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $98 | $329 | 0.49% |
| SUSAN WYNNE LUNNING3 | 2515 39TH STREET DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $51 | $314 | 0.47% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $110 | $297 | 0.44% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | — | $211 | 0.32% |
| BRYON A BROWDER3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.28% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 0.25% |
| AON CONSULTING INC3 Filed as: TRACI J HEWITT | 2809 BARROWS AVE TRACY, IA 50256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.12% |
| NIKGREJESKEN INC3 | 120 SHELBY RD SHERWOOD, AR 72120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $310 | $3K | 6.29% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $141 | $2K | 4.23% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $30 | $2K | 4.06% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $30 | $2K | 4.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR CHICAGO, IL 60606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.73% |
| BARNETT BENEFITS GROUP INC3 Filed as: BARNETT BENEFIT GROUPS INC | 101 BARNETT RD LONOKE, AR 72086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $747 | $122 | $869 | 1.86% |
| GINGER MULLINS & COMPANY INC3 | 1701 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $408 | $50 | $458 | 0.98% |
| ROBERT W ALLEN3 | 39 SUNCREST DR CABOT, AR 72023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $12 | $65 | 0.14% |
| JULIE R ROLTSCH3 | 31 NEAL COVE BRYANT, AR 72022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW RD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $168 | $2K | 6.53% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $101 | $1K | 3.99% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M. IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 3.71% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 3.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR CHICAGO, IL 60606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.81% |
| MICHAEL A DUARTE3 | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $115 | $402 | 1.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 0.49% |
| LINDA B ALLEN3 | 110 MOUNTAIN VIEW DRIVE ROCKY MOUNT, VA 24151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.22% |
| SUSAN FONTANA FLYNN3 Filed as: SUSAN FONTANTA FLYNN | 8814 EAGLE POINT DRIVE KNOXVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.10% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE | 285 COZZINS STREET COLUMBUS, OH 43215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.08% |
| RAYMOND B LINGLE3 Filed as: RAYMOND B. LINGLE | 192 SUMMERFIELD COURT ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LERMAN VENTURES INC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| PETE LEE DOMINGUEZ3 | 7550 HILLSIDE DR AMARILLO, TX 79119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | $8 | $508 | 2.89% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H. HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $391 | $30 | $421 | 2.39% |
| KATHLEEN BYRNE3 | 7142 ANTHONY LANE PARMA HEIGHTS, OH 44130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $7 | $333 | 1.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR CHICAGO, IL 60606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 1.68% |
| CAROL LEE HOLDEN3 | 5312 RADIANT LANE AMARILLO, TX 79109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $2 | $179 | 1.02% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M. IGNASIAK | 8427 MUIRLAND DR CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $2 | $165 | 0.94% |
| HELEN RODRIGUEZ-BURTON3 | PO BOX 10021 AMARILLO, TX 79116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $14 | $99 | 0.56% |
| MELODIE F FONTENOT3 | 5224 75TH STREET LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.47% |
| DIANA GILLESPIE3 | 3706 VALLEY FORGE DR STOW, OH 44224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.40% |
| ALPHA BENEFITS INC3 | 4200 ROCKSIDE RD CLEVELAND, OH 44131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.14% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE | 285 COZZINS STREET COLUMBUS, OH 43215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| LES MILLER3 | PO BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Float revenue; Other fees; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $1.8M |
| COMPREHENSIVE CARE SERVICES, INC. EIN 41-1427596 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $383K |
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 | 4,223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,223 | $978K |
| Short-term disability(5 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 239 | $293K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,223 | $668K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,223 | $887K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,223 | — |
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."
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.