| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $312 | $13K | 5.79% |
| ROBERT SCOTT BRUNER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $6K | $13K | 5.77% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH MARIE LAVGEVIN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 4.85% |
| MARC A GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 3.79% |
| MEGHAN MOFFATT LUCAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $393 | $2K | 0.81% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURNACE INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $197 | $1K | 0.54% |
| JILL R LAMBERT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $926 | $169 | $1K | 0.47% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $543 | $270 | $813 | 0.35% |
| USI INSURANCE SERVICES LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | $3 | $730 | 0.31% |
| CAROLYN GROVER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $589 | — | $589 | 0.25% |
| JENNIFER GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $312 | — | $312 | 0.13% |
| DESIREE WENDELL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 0.07% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.05% |
| JERRY A EDGAR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.04% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.03% |
| DEIRDRE B HOEHN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.03% |
| ALEXANDER OTTONIEL CANAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.03% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.03% |
| DEAN W FORNOFF3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.03% |
| SANDRA SIMS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.02% |
| TIFFANY BRIDE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.01% |
| CARRIE S FLATEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| JEFFREY D HARNED3 Filed as: JEFFREY LYLES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| R & B ENROLLMENT SERVICES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| CASSANDRA KRAMER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| INSPRO INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| BILODEAU INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.00% |
| JEFFREY D HARNED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS NEBRASKA | — | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 5.49% |
| USI INSURANCE SERVICES LLC3 | STE 400 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | STARMOUNT LIFE INSURANCE COMPANY | -$747 | -$261 | -$1K | -0.67% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS NEBRASKA | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 17.55% |
| USI INSURANCE SERVICES LLC3 | STE 400 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$1K | -$166 | -$2K | -2.85% |
| ROBERT SCOTT BRUNER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $389 | $1K | 3.24% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $16 | $1K | 2.72% |
| MARC A GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $860 | $119 | $979 | 2.14% |
| ELIZABETH MARIE LANGEVIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $516 | $149 | $665 | 1.46% |
| JERRY A EDGAR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.51% |
| MEGHAN MOFFATT LUCAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $21 | $230 | 0.50% |
| JILL R LAMBERT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $9 | $126 | 0.28% |
| JEFFREY D HARNED3 Filed as: JEFFREY LYLES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.14% |
| USI INSURANCE SERVICES LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.13% |
| INSPRO INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.09% |
| JENNIFER GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.06% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $7 | $24 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| DESIREE WENDELL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| CAROLYN GROVER3 Filed as: CAROLYN GRAVER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURNACE INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| ALEXANDER OTTONIEL CANAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| CARRIE S FLATEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.34% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $538 | — | $538 | 1.23% |
| USI INSURANCE SERVICES LLC3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $180 | — | $180 | 0.41% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC - HIAWATHA | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $179 | — | $179 | 0.41% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS NEBRASKA | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.96% |
| USI INSURANCE SERVICES LLC3 | STE 400 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$183 | -$32 | -$215 | -1.10% |
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 | 410 | 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) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 161 | $278K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 331 | $151K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 647 | $44K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 410 | $75K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 161 | $278K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 410 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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.