| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $170K | $193K | 4.17% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW CO | PO BOX 989 MARLTON, NJ 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | -$60 | $23K | 0.50% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $12K | 9.14% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 Filed as: O'NEILL VOLUNTARY BEN SVS | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $1K | $12K | 18.26% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE DALLAS, TX 75201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $687 | $4K | 5.87% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 5.01% |
| MICHAEL FAHEY AND VAR AGENTS3 | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92372 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $376 | $94 | $470 | 0.70% |
| DAVID A. RACKLIFFE3 Filed as: DAVID A. RACKCLIFFE | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $425 | $33 | $458 | 0.68% |
| GREG KARCHIKIAN3 | 4533 CALEDONIA WAY LOS ANGELES, CA 90065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $244 | $94 | $338 | 0.50% |
| JAMIE LEIGH O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $261 | $44 | $305 | 0.46% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 Filed as: O'NEILL VOLUNTARY BEN SVS | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $148 | $1K | 8.43% |
| MELISSA A KOLL3 Filed as: MELISSA KOLL AND VAR AGENTS | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $8 | $1K | 7.29% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $756 | $413 | $1K | 7.00% |
| SARA SORENSEN-CONNICK3 Filed as: SARA SORENSON-CONNICK | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $140 | $161 | $301 | 1.80% |
| ABIGAIL LEIGH CONNICK3 | 10408 RUTLEDGE STREET PARKER, CO 80134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | $70 | $267 | 1.60% |
| ASSUREDPARTNERS3 | 1700 BROADWAY, SUITE 1000 DENVER, CO 80290 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 0.73% |
| JAMIE LEIGH O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $14 | $80 | 0.48% |
| CARPE DIEM LP4 Filed as: CARPE DIEM, LP | 4833 FRONT STREET CASTLE ROCK, CO 80104 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $560 | $0 | $560 | 7.73% |
| LOIS A. THRELKELD4 Filed as: LOIS A. THREKELD | 10736 JEFFERSON BOULEVARD CULVER CITY, CA 90230 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $246 | $0 | $246 | 3.40% |
| ALLISON E BERRY4 Filed as: ALLISON E. BERRY | 5349 BEAR RUN ROAD LAKESIDE, AZ 85929 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $54 | $0 | $54 | 0.75% |
| JOHN A. CHAPMAN4 | 4833 FRONT STREET CASTLE ROCK, CO 80104 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $36 | $0 | $36 | 0.50% |
| O'NEILL VOLUNTARY BENEFIT SERVICES Filed as: O'NEILL VOLUNTARY BEN SVS | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $16 | $167 | 5.82% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $97 | $53 | $150 | 5.23% |
| SARA SORENSEN-CONNICK3 Filed as: SARA SORENSON-CONNICK | 8547 EAST ARAPAHOE GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $17 | $32 | 1.11% |
| OPTIO LLC3 | 8547 EAST ARAPAHOE ROAD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.42% |
| JAMIE LEIGH O'NEILL3 Filed as: JAMIE O'NEILL AND VAR AGENTS | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 0.42% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.38% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.35% |
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 | 920 | 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) | 920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 559 | $4.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 559 | $4.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 559 | $4.6M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 828 | $195K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 828 | $128K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 559 | $4.6M |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 920 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 920 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.