| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. FL 6 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 5.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. FL 6 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 12.00% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS RD. STE 106 COLUMBIA, MD 21045 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $3K | $2K | $5K | 12.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. MCLEAN, VA 22102 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.22% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $51 | $809 | $860 | 2.11% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CR ELKHORN, NE 68022 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $359 | $188 | $547 | 1.34% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR. FAYETTEVILLE, AR 72701 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $100 | — | $100 | 0.25% |
| AMY E COHEN3 | 19967 VILLA LANTE PL BOCA RATON, FL 33434 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $96 | — | $96 | 0.24% |
| MARC MAURICIO MORROW3 | 3431 RAYFORD RD STE 200 SPRING, TX 77386 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $83 | — | $83 | 0.20% |
| INSPIRED INC3 Filed as: INSPIRED INC. | 50 LAGOSHEN DR. MOSCOW, TN 38057 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $74 | — | $74 | 0.18% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT ST. CARMEL, IN 46032 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $62 | — | $62 | 0.15% |
| MARIA VERONICA JARQUE3 | 4744 N PAULINA ST. APT 1E CHICAGO, IL 60640 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $42 | — | $42 | 0.10% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DR. EL DORADO HILLS, CA 95762 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $7 | $21 | $28 | 0.07% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DR. HERNDON, VA 20170 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $25 | — | $25 | 0.06% |
| COLLEEN A VOGAN3 | 5018 COBBLE STONE CT. ELLICOTT CITY, MD 21043 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| PATRICK WILLIAM DOWLING3 | 12 LINDA ST. SOUTH HADLEY, MA 01075 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ERNESTO MCKENZIE JR3 Filed as: ERNESTO MCLENZIE JR. | 9210 TOMS TRL LAUREL, MD 20723 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| SHANNON PIERCE3 | 1051 TRAPPERS CV CORDOVA, TN 38018 | COLONIAL ACCIDENT & LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. 6TH FL SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $510 | $3K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. 6TH FL SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $518 | $104 | $622 | 12.01% |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $138K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $138K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $170K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $104K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $104K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.