| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT SCOTT BRUNER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $8K | $14K | 6.38% |
| MARC A GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $10K | 4.42% |
| USI INSURANCE SERVICES LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $45 | $5K | 2.10% |
| ELIZABETH MARIE LANGEVIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 1.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE NATIONAL INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.17% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $98 | $2K | 1.02% |
| MEGHAN MOFFATT LUCAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $336 | $2K | 0.77% |
| JILL R LAMBERT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $847 | $226 | $1K | 0.48% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $734 | $44 | $778 | 0.35% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $706 | — | $706 | 0.32% |
| JENNIFER GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $695 | — | $695 | 0.31% |
| JEFFREY D HARNED3 Filed as: JEFFREY LYLES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 0.11% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | — | $217 | 0.10% |
| ALEXANDER OTTONIEL CANAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.09% |
| TIFFANY BRIDE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.08% |
| DESIREE WENDELL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.08% |
| JOHN D EVANGELISTA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $75 | $172 | 0.08% |
| SANDRA SIMS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.05% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $31 | $116 | 0.05% |
| MARY-JOYCE LICATA3 Filed as: MARY J YAMELL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.05% |
| DIERDRE B HOEHN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.04% |
| DUANE A ADAMS3 Filed as: DUANE L. GOTTSCH | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.03% |
| SHEALY BENEFITS SERVICES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $24 | $73 | 0.03% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R&B ENROLLMENT SERVICES, INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.03% |
| ADVANCED BENEFIT SYSTEM INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $33 | $66 | 0.03% |
| DEAN W FORNOFF3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.03% |
| BROCKSTAR LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.03% |
| BRIAN JULIAN HAIR3 | 11 FALLBROOK COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $15 | $64 | 0.03% |
| PREMIER WORKSITE SOLUTIONS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $32 | $62 | 0.03% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.03% |
| MCCAREY INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $13 | $53 | 0.02% |
| CASSANDRA KRAMER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.02% |
| JERRY A EDGAR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.02% |
| VGM BENEFIT ENROLLMENTS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $11 | $42 | 0.02% |
| CARRIE S FLATEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.02% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| JEFFREY D HARNED3 Filed as: JEFFREY D HARNET | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $7 | $20 | 0.01% |
| BILODEAU INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $5 | $19 | 0.01% |
| INSPRO INC3 Filed as: INSPRO | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| VINCENT GERARD MCLAUGHLIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $7 | $17 | 0.01% |
| SABRINA S RAMOS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| USI INSURANCE SERVICES LLC3 | STE 400 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $7K | $16K | 8.82% |
| USI INSURANCE SERVICES LLC3 | STE 400 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $20K | 17.68% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 4.88% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $247 | $2K | 2.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $731 | — | $731 | 0.96% |
| JEFFREY D HARNED3 Filed as: JEFFREY LYLES | 3872 BALLANTRAE RD EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $701 | — | $701 | 0.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $701 | — | $701 | 0.92% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENDTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | $66 | $423 | 0.56% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN MOFFATT LUCUS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $49 | $413 | 0.54% |
| JERRY A EDGAR3 | 604 SOUTH MARKET STREET SHICKLEY, NE 68436 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | — | $309 | 0.41% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $33 | $240 | 0.32% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $6 | $130 | 0.17% |
| JENNIFER GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 0.17% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LN BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.12% |
| INSPRO INC3 | PO BOX 689 FREMONT, NE 68025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.09% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.08% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.08% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.07% |
| DESIREE WENDELL3 | 38269 EVERTON AVE NORTH BEACH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.06% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | 2220 NORTH 172ND AVE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| CASSANDRA KRAMER3 | 1485 NORTH JUNE STREET SARATOGA, UT 84045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 1009 8TH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $4 | $11 | 0.01% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $5 | $11 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $5 | $10 | 0.01% |
| ALEXANDER OTTONIEL CANAS3 | 26123 BOUQUET CANYON RD SANTA CLARITA, CA 91350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| BRIAN JULIAN HAIR3 | 11 FALBROOK COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.01% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.01% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.55% |
| USI INSURANCE SERVICES LLC3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $843 | — | $843 | 2.02% |
| USI INSURANCE SERVICES LLC3 | STE 400 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $442 | $3K | 11.49% |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 147 | $299K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 331 | $185K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 634 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $134K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 147 | $299K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.