| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $345 | $21K | — |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $163 | $10K | — |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $65 | $2K | — |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $56 | $3K | — |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCEDULE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | — |
| SEE ATTACHED Filed as: SEE ATTACHED SCHEDULE | — | GUARDIAN | $16K | $0 | $16K | — |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $808 | $3K | — |
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 | 363 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 134 | $0 |
| Dental | GUARDIAN | 339 | $0 |
| Vision | GUARDIAN | 339 | $0 |
| Life insurance(7 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 563 | $0 |
| Short-term disability(6 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 339 | $0 |
| Long-term disability | GUARDIAN | 339 | $0 |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 371 | $963K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 563 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.