| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.08% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157K | — | $157K | 33.91% |
| STEVEN R KARAS3 | 2000 COMMON WEALTH AVENUE SUITE 110 NEWTON, MA 02466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66K | — | $66K | 14.25% |
| BRANDON R ROYCE3 | 29 CRAFTS SUITE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 2.56% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 2.41% |
| STEVEN MUNICHIELLO3 Filed as: STEVEN N MUNICHIELLO | 72 PLEASANT STREET FRANKLIN, MA 02038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 2.08% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE ROAD NORTHEAST JACKSONVILLE, AL 36265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.05% |
| TANYA CASTRO3 | 1334 ASWAN DRIVE CORPUS CHRISTI, TX 78412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.89% |
| TANYA CASTRO3 | 1334 ASWAN DRIVE CORPUS CHRISTI, TX 78412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.89% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE ROAD JACKSONVILLE, AL 36265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.75% |
| MAURICIO R PLATT3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.55% |
| TYRONE A VAUGHN3 | 732 EDEN WAY NORTH #213-E CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.40% |
| MAURICIO R PLATT3 | 884 UNION STATION PARKWAY APARTMENT 1206 LEWISVILLE, TX 75057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.39% |
| PHILLIP A GREER3 | 1025 EXECUTIVE BOULEVARD SUITE 111 CHESAPEAKE, VA 23453 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.37% |
| MICHAEL P SPEISMAN3 | 5 WEST STREET NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.37% |
| WALTER N STICKER3 | 296 EAST CIRCUIT BEAUMONT, TX 77706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.33% |
| EDWARD J FERRARI3 | 101 RIO BRAVO SAN ANTONIO, TX 78232 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.32% |
| EDWARD J FERRARI3 | 101 RIO BRAVO SAN ANTONIO, TX 78232 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.32% |
| PHILLIP A GREER3 | 1025 EXECUTIVE BOULEVARD SUITE 111 CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.32% |
| TYRONE A VAUGHN3 | 732 EDEN WAY NORTH CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.30% |
| PATTI SCHOETTLER3 | 930 ECTOR RUN NORTHWEST KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.27% |
| PATTI SCHOETTLER3 | 930 ECTOR RUN NORTHWEST KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.27% |
| SANDRA L SIEBERT3 | 6070 TANGLETREE DRIVE ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.24% |
| SANDRA L SIEBERT3 | 6070 TANGLETREE DRIVE ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.24% |
| WALTER N STICKER3 | 296 EAST CIRCUIT BEAUMONT, TX 77706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.23% |
| JEFFREY NELSON3 Filed as: JEFFREY C NELSON | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.22% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $920 | — | $920 | 0.20% |
| CARSON P HAND3 | 1224 PEACOCK AVENUE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $856 | — | $856 | 0.19% |
| CARSON P HAND3 | 1224 PEACOCK AVENUE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $856 | — | $856 | 0.19% |
| ANDREW D KOWN3 | 710 CREEKGARDEN COURT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $780 | — | $780 | 0.17% |
| CHARLEEN WRIGHT3 | 1025 EXECUTIVE BOULEVARD SUITE III CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $730 | — | $730 | 0.16% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY MILLWOOD | 107 SOUTHERN BOULEVARD SUITE 103A SAVANNAH, GA 31405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $627 | — | $627 | 0.14% |
| ALEXANDER A ARTMAN3 | 15321 YARDARM COURT CORPUS CHRISTI, TX 78418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $589 | — | $589 | 0.13% |
| SUWAT ASSAWAMATIYANONT3 | 4410 BOUGAINVILLA DRIVE APARTMENT 4 LAUDERDALE BY THE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $577 | — | $577 | 0.12% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NORTHWEST KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $501 | — | $501 | 0.11% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA A MCNAUGHTON | 337 JOLFFIE ROAD GRANT, AL 35747 | CONTINENTAL AMERICAN INSURANCE COMPANY | $497 | — | $497 | 0.11% |
| DAVID M COUGHLIN3 | 10160 BRISTOL DRIVE RANCHO CUCAMONGA, CA 91737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $496 | — | $496 | 0.11% |
| DEBORAH A MINGO3 | 5593 SEAGROVE LANE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $404 | — | $404 | 0.09% |
| DEBORAH A MINGO3 | 5593 SEAGROVE LANE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $404 | — | $404 | 0.09% |
| MICHAEL SARDO3 Filed as: MICHAEL R SARDO | 707 FAVRIE ROAD LAKEHILLS, TX 78063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $390 | — | $390 | 0.08% |
| KIMBERLY PRICE3 | 117 BERKLEY DRIVE JESUP, GA 31546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $386 | — | $386 | 0.08% |
| KIMBERLY PRICE3 Filed as: KIMBERLY D PRICE | 117 BERKLEY DRIVE JESUP, GA 31546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $386 | — | $386 | 0.08% |
| KARI F MARION3 | 2713 LAKE RIDGE COURT CHESAPEAKE, VA 23323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $378 | — | $378 | 0.08% |
| STEPHANIE M MORRIS3 | 4479 BUNKER HILL DRIVE BETTENDORF, IA 52722 | CONTINENTAL AMERICAN INSURANCE COMPANY | $315 | — | $315 | 0.07% |
| JEFFREY NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $285 | — | $285 | 0.06% |
| SUWAT ASSAWAMATIYANONT3 | 4410 BOUGAINVILLA DRIVE APARTMENT 4 LAUDERDALE BY THE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | — | $259 | 0.06% |
| MARIALENA SELVAGGIO3 | 1685 SOUTHWEST 4TH AVENUE BOCA RATON, FL 33432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $253 | — | $253 | 0.05% |
| STEPHANIE M MORRIS3 Filed as: STEPHANIE MORRIS | 4479 BUNKER HILL DRIVE BETTENDORF, IA 52722 | CONTINENTAL AMERICAN INSURANCE COMPANY | $249 | — | $249 | 0.05% |
| DANNY TRAN3 | 3150 PERIMETER PARKWAY SUITE 115 AUGUSTA, GA 30909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | — | $223 | 0.05% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $213 | — | $213 | 0.05% |
| JILL A HALVERSON3 | 3359 GARDENS EAST DRIVE A PALM BEACH GARDEN, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $204 | — | $204 | 0.04% |
| MARIALENA SELVAGGIO3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | — | $200 | 0.04% |
| KARI F MARION3 | 2713 LAKE RIDGE COURT CHESAPEAKE, VA 23323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 0.04% |
| SHANNON A LADING3 | 738 WEST FOURTH STREET APPLETON, WA 54914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | — | $184 | 0.04% |
| THE SHARON MILLER AGENCY LLC3 | 327 EAST MAIN BELMOND, IA 50421 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 0.04% |
| JILL A HALVERSON3 | 1204 NORTH 10TH PLACE APARTMENT 2331 RENTON, WA 98057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.04% |
| KAREN J MCDONALD3 Filed as: KAREN J AGNEW | PO BOX 8105 LUMBERTON, TX 77657 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 0.03% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 11310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 0.03% |
| SHANNON A LADING3 | 738 WEST FOURTH STREET APPLETON, WI 54914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.03% |
| AIMEE BRANDON3 Filed as: AIMEE Z BRANDON | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.03% |
| THE SHARON MILLER AGENCY LLC3 | 327 EAST MAIN BELMOND, IA 50421 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.02% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.02% |
| DENNIS L ENGLE3 Filed as: DENNIS ENGLE | PO BOX 15446 SAVANNAH, GA 31416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.02% |
| JOSEPH E PHILLIPS3 | 3101 NORTH ALEXANDER STREET CHARLOTTE, NC 28205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.02% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY MILLWOOD | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.02% |
| DONNA R WATSON3 | 876 TANGLEFOOT LANE BETTENDORF, IA 52722 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.01% |
| JOSEPH E PHILLIPS3 | 1270 KENNON ROAD MINERAL, VA 23117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.01% |
| KACY A GRUENKEMEYER3 | 20 CHEROKE EAST BOULEVARD #306 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.01% |
| TONYA L REMLEY3 | 876 TANGLEFOOT LANE BETTENDORF, IA 52722 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.01% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL DESPIRITO | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.00% |
| STEVEN G JOHNSON3 | PO BOX 266 FOREST CITY, IA 50436 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.00% |
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 | 3,114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 214 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(7 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 2,334 | $164K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,334 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,334 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,334 | $1.5M |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 2,178 | $1.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,334 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,334 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.