| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENY LLC | 20 N MARTINGALE RD SCHAUMBURG, IL 60173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $57 | $1 | $58 | 8.52% |
| AMY E COHEN | 1967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $28 | $2 | $30 | 4.41% |
| NORMAC SOLUTIONS INC | 451 HOPKINS ROAD TOWNVILLE, SC 29689 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $21 | $4 | $25 | 3.67% |
| PATRICIA A DUNCAN | 520 WHEATFIELD RD FRNKLIN, NC 28734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $23 | — | $23 | 3.38% |
| ELAISIUS BONNER | 974 ROSEFELD LANE AURORA, IL 60504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $14 | $8 | $22 | 3.23% |
| TEKAYLA WORKS | 115 VILLAGE BEND DRIVE ALENXANDER, AR 72002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $18 | — | $18 | 2.64% |
| JANTELLE LAVONNE BONNER | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $5 | $9 | $14 | 2.06% |
| ASSURANCE AGENCY LTD | 20 NORTH MARTINGALE RD SCHAUMBURG, IL 60173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $10 | — | $10 | 1.47% |
| BETHANIE MOSHER WILLIAMS | 4704 NORTH KENMORE AVE CHICAGO, IL 60640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $7 | — | $7 | 1.03% |
| PEACOCK FINANCIALS INC | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $1 | $2 | $3 | 0.44% |
| TODD BOOZER | 2900CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $3 | — | $3 | 0.44% |
| THE FRANCIS GROUP LLC | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $1 | $1 | $2 | 0.29% |
| CHARLES DON SCHAEF | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $1 | $1 | $2 | 0.29% |
| VALUE ADDED SOLUTIONS | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | — | $1 | $1 | 0.15% |
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 | 2 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | 2 | $681 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.