| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOVIE AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 7.84% |
| WAYPOINT BANK3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 5.74% |
| RICHARD G MCGOWAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $50 | $2K | 1.43% |
| KRISTEN BIBLE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $157 | $2K | 1.42% |
| JERRY A EDGAR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $32 | $1K | 1.22% |
| THOMAS W BOSTON3 Filed as: THOMAS D FULLER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $602 | — | $602 | 0.54% |
| ROBERT E ELLIS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $539 | — | $539 | 0.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $522 | — | $522 | 0.47% |
| EDGHILL ENTERPRISES LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $14 | $241 | 0.22% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $99 | $195 | 0.18% |
| MA STILES LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.10% |
| JASON DOUGLAS WISE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.09% |
| KJELL T TERRELL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.08% |
| ELITE ADMINISTRATION3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.06% |
| OCI INSURANCE & FINANCIAL SERVICES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.06% |
| MAMIE A STILES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.04% |
| GRUND BENEFIT ADVISORS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
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 | 88 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 97 | $111K |
| Vision | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 97 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.