| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JD ALLMAN, INC.3 | 1730 I STREET, SUITE 240 SACRAMENTO, CA 95811 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | $0 | $37K | 5.90% |
| JD ALLMAN, INC.3 | 1730 I STREET, SUITE 240 SACRAMENTO, CA 95811 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 5.82% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $5K | $33K | 17.26% |
| JD ALLMAN, INC.3 Filed as: J.D. ALLMAN, INC. | UNKOWN SACRAMENTO, CA 95811 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 9.49% |
| NICHOLAS CUSMANO3 Filed as: NICHOLAS CUSMANO AND OTHER AGENTS | 79 PORT HERMAN ROAD CHESAPEAK CY, MD 21915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $240 | $4K | 1.84% |
| RODNEY J VALDIVIA3 Filed as: RODNEY J. VALDIVIA | 801 SW 189TH AVENUE PEMBROKE PINES, FL 33029 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.21% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 Filed as: ROTH VOLUNTARY BENEFIT SERVICES | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $112 | $2K | 1.19% |
| STACI MARIE FERRARIS3 | 28912 GLEN ROCK PLACE HIGHLAND, CA 92346 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $179 | $2K | 1.12% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE DALLAS, TX 75201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.07% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $374 | $34 | $408 | 10.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE DALLAS, TX 75201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $0 | $150 | 3.68% |
| JD ALLMAN, INC.3 | UNKNOWN SACRAMENTO, CA 95811 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 1.05% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.22% |
| LOCKTON COMPANIES, LLC4 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $459 | $0 | $459 | 13.56% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 4.55% |
| JD ALLMAN, INC.3 | UNKNOWN SACRAMENTO, CA 95811 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 1.03% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.62% |
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 | 846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 264 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 768 | $629K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 768 | $629K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,369 | $240K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,369 | $240K |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,490 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,490 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.