| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MB & ASSOCIATES LLC3 | 216 E 6TH ST CAMERON, MO 64429 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 4.65% |
| D PHILLIPS INS LLC3 | RURAL ROUTE 2 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $69 | $5K | 3.81% |
| TMB ENTERPRISES INC3 | 18890 56TH ROAD KEARNEY, NE 68845 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $19 | $1K | 1.19% |
| MARTIN J URBANSKI3 | 2809 STATE ST GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.18% |
| ABIGAYLE DEBORAH PHILLIPS3 | 20651 US HWY 65 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $974 | — | $974 | 0.79% |
| REBECCA ANN PHILLIPS3 | 104 EAST HAYWARD ST MEADVILLE, MO 64659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.14% |
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 | 61 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 61 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 61 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.