| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW CO. | PO BOX 989 MARLTON, NJ 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $70K | $82K | 3.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $15K | $18K | 0.71% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW CO. | PO BOX 989 MARLTON, NJ 08053 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.03% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $905 | $0 | $905 | 0.95% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $10K | $30K | 41.42% |
| ROBERT H. ROTH3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $384 | $2K | 2.66% |
| JAMIE LEIGH O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $223 | $2K | 2.57% |
| MJ INSURANCE3 Filed as: CHERYL E. SCOTT AND VARIOUS AGENTS | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $725 | $29 | $754 | 1.04% |
| COLLEEN A VOGAN3 Filed as: COLLEEN A. VOGAN | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $371 | $46 | $417 | 0.58% |
| SARA SORENSEN-CONNICK3 | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $210 | $197 | $407 | 0.56% |
| NICHOLAS CUSMANO3 | 1604 STONEGATE BOULEVARD ELKTON, MD 21921 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $284 | $9 | $293 | 0.40% |
| LOIS A. THRELKELD4 | 10736 JEFFERSON BOULEVARD SUITE 798 CULVER CITY, CA 90230 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $253 | $0 | $253 | 3.99% |
| JOHN A. CHAPMAN4 | 4833 FRONT STREET, SUITE B CASTLE ROCK, CO 80104 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $156 | $0 | $156 | 2.46% |
| ALLISON E BERRY4 Filed as: ALLISON E. BERRY | 5349 BEAR RUN ROAD LAKESIDE, AZ 85929 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $133 | $0 | $133 | 2.10% |
| CARPE DIEM LP4 Filed as: CARPE DIEM, LP | 4833 FRONT STREET, SUITE B105 CASTLE ROCK, CO 80104 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $78 | $0 | $78 | 1.23% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $2.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 398 | $168K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 398 | $96K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $2.5M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.