| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $3K | $22K | 14.02% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: TONYA J BROWN | 24320 WELDON DRIVE EUSTIS, FL 32736 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 3.68% |
| JOHN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 2.68% |
| IVAN GONIMA3 | 1406 SELBYDON WAY WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $808 | $4K | 2.25% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $943 | $3K | 2.05% |
| MARIA TERESA MUNOZ | 16343 CAGAN CROSSINGS BLVD CLERMONT, FL 34714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.78% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BLVD ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $265 | $2K | 1.47% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 Filed as: ANGEL GABRIEL VEAZQUEZ-DIAZ | 2022 ESTANCIA CIR KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $218 | $1K | 0.92% |
| LISA JENNETTE UNDERHILL3 | 1296 RED OAK DR BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $724 | $44 | $768 | 0.49% |
| CHRISLYN M FREDERICK | 610 GEORGETOWN DR CASSELBERRY, FL 32707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $609 | — | $609 | 0.39% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $163 | $541 | 0.34% |
| JO ANN PANTALONE3 Filed as: ANN M WEST | 3377 B HWY E PERRYVILLE, MO 63775 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $43 | $426 | 0.27% |
| DALE E WASHBURN3 | 133 POINT SEVEN ROAD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $51 | $395 | 0.25% |
| KAREN HAYES DECKER3 | 4475 WILLA CREEK DRIVE WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $1 | $198 | 0.13% |
| BRADLEY ESTES | 1055 KENSINGTON PARK DR ALTAMONTE SPRINGS, FL 32714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | — | $191 | 0.12% |
| NORMA ALICIA LAPPOT3 | 722 PATRICK ST SUITE 101 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $54 | $146 | 0.09% |
| COLON INSURANCE AGENCY LLC3 | 722 PATRICK ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $50 | $142 | 0.09% |
| CTI SERVICES INC.3 Filed as: CTI SERVICES INC | 1140 CLIMBING ROSE DR ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $16 | $118 | 0.07% |
| SAMUEL MALAVE | 2927 FOX SQUIRREL DRIVE KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.06% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $22 | $87 | 0.06% |
| TGI ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $20 | $71 | 0.04% |
| ACRISURE LLC | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.04% |
| RITA MARIE REITER | 239 S HULL AVE DELAND, FL 32720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.04% |
| STALTARE BENEFITS INC | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.03% |
| JOHN W NISWONGER3 | 525 COUNTY RD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $10 | $49 | 0.03% |
| JULIA MICHELLE TAMER3 | 6500 PAPERMILL RD., SUITE 106 KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $1 | $34 | 0.02% |
| SANFORD GARY GOLDBERG3 | 17A S SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $11 | $32 | 0.02% |
| CREATIVE BENEFIT CONSULTANTS INC | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| CPU INC | P.O. BOX 792 CAPE GIRARDEAU, MO 63702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| LAWRENCE PENNINGTON | 17313 AUTUMN PINES CT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.00% |
| MARGARET M GRAHAM | 200 CROOKED CREEK DR ONEIDA, TN 37841 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| LISA D NISWONGER | 2711 THOMAS DR CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| NORMA J DAVIS | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| ALYSON MARIE MCMAHON3 Filed as: ALYSON MARIE MCMAHOM | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.00% |
| JOSEPH M TAMER3 | 6500 PAPERMILL RD KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.00% |
| CROWN WEALTH MANAGEMENT INC | 11163 SOUTH TOWNE SQUARE SAINT LOUIS, MO 63123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOSEPH NISWONGER | 787 VAIL DR JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CRISTINA JOHNSON | 7418 STREAM VALLEY CT SAINT LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ROBERT HYLTON | 6287 GARRETT STREET JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 505115 SAINT LOUIS, MO 63150 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 505115 SAINT LOUIS, MO 63150 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 505115 SAINT LOUIS, MO 63150 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $47 | $1K | 4.45% |
| CROWN WEALTH MANAGEMENT INC3 | 7418 STREAM VALLEY CT SAINT LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $310 | $70 | $380 | 1.57% |
| CHRISTINA JOHNSON3 | 7418 STREAM VALLEY CT SAINT LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $7 | $351 | 1.45% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $16 | $185 | 0.76% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BLVD ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $8 | $80 | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: TONYA J BROWN | 24320 WELDON DRIVE EUSTIS, FL 32736 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.24% |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 4258 DELOR ST SAINT LOUIS, MO 63116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $5 | $48 | 0.20% |
| GAIL DIANE GOODEN | 1224 STONE BLUFF DRIVE FENTON, MO 63026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $7 | $36 | 0.15% |
| JOHN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $10 | $30 | 0.12% |
| CANDICE KLEE | 2201 NE 39TH ST LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.12% |
| SAMUEL EDWARD HANDLANG | 11131 SOUTH TOWNE SQUARE SAINT LOUIS, MO 63123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.09% |
| LINDA SUE TAYLOR | 4113 SE 19TH AVE CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| ANNA CHRISTINE POOLE | 4800 W 108TH STR #1013 OVERLAND PARK, KS 66211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.07% |
| JOHN W NISWONGER | 525 COUNTY RD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.07% |
| JACK SEITZ3 | 2462 MAPLE CROSSING DR WILDWOOD, MO 63011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $2 | $17 | 0.07% |
| TIAH CASE | 20 RAINBOW TRAIL ARNOLD, MO 63010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE SAINT LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $10 | $14 | 0.06% |
| STEVEN JAMES HOLDREN | 1209 WASHINGTON AVE #402 SAINT LOUIS, MO 63103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| CPU INC | P.O. BOX 792 CAPE GIRARDEAU, MO 63702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| KELLEY KATHERINE WECKEL | 1749 INDIAN FORT RD FT. SCOTT, KS 66701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| HEATHER NICOLE DOUGLAS | 242 CHATEAUGAY LANE CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| LISA D NISWONGER | 2711 THOMAS DR CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| RICHARD C LANDMANN Filed as: RICHARD C. LANDMANN | 14823 CONWAY ROAD CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JOSEPH NISWONGER | 787 VAIL DR JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| RON DEAN HOLLOWAY | 11310 CALICO DRIVE KANSAS CITY, MO 64137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BRADLEY S. COUCH | 7201 N. ATKINS AVE KANSAS CITY, MO 64152 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JO ANN PANTALONE Filed as: ANN M WEST | 3377 B HWY E PERRYVILLE, MO 63775 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SANFORD GARY GOLDBERG | 17A S SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 505115 SAINT LOUIS, MO 63150 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $512 | $512 | 3.65% |
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 | 245 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 673 | $196K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 673 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $39K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 320 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.