| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WAYPOINT BANK3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 8.24% |
| HOVIE AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 6.10% |
| ROBERT E ELLIS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $340 | $2K | 1.60% |
| RICHARD G MCGOWAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $52 | $2K | 1.35% |
| KRISTEN BIBLE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $32 | $1K | 1.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| JERRY A EDGAR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $23 | $1K | 1.06% |
| EDGHILL ENTERPRISES LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $52 | $1K | 0.92% |
| THOMAS W BOSTON3 Filed as: THOMAS D FULLER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $824 | — | $824 | 0.72% |
| KJELL T TERRELL3 Filed as: KJELL T TERRALL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $19 | $385 | 0.34% |
| MA STILES LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | — | $215 | 0.19% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $37 | $168 | 0.15% |
| JASON DOUGLAS WISE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.11% |
| ELITE ADMINISTRATION3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.09% |
| OCI INSURANCE & FINANCIAL SERVICES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.07% |
| GRUND BENEFIT ADVISORS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 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 | 81 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 87 | $114K |
| Vision | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 87 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.