| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | — | $33K | 8.91% |
| MARC A GROVE3 Filed as: MARC ALAN GROVE | — | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 3.42% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 4221 N 203RD ST STE 200 ELKHORN, NE 680223474 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.19% |
| EMERSON REID LLC3 | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.69% |
| NORTH RISK PARTNERS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $679 | $14K | 5.75% |
| ROBERT SCOTT BRUNER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $5K | $11K | 4.75% |
| ELIZABETH MARIE LANGEVIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 4.39% |
| MARC A GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 2.51% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $602 | $2K | 0.89% |
| MEGHAN MOFFATT LUCAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $386 | $2K | 0.76% |
| JILL R LAMBERT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $909 | $259 | $1K | 0.48% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $747 | $55 | $802 | 0.33% |
| CAROLYN GROVER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | — | $542 | 0.22% |
| JENNIFER GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 0.10% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $3 | $172 | 0.07% |
| DESIREE WENDELL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.07% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.04% |
| DEIDRE B HOEHN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.03% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.03% |
| ALEXANDER OTTONIEL CANAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.03% |
| DEAN W FORNOFF3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.02% |
| JERRY A EDGAR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.02% |
| CARRIE S FLATEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $8 | $21 | 0.01% |
| R & B ENROLLMENT SERVICES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| NORTH RISK PARTNERS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $87 | $2K | 4.58% |
| ROBERT SCOTT BRUNER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $634 | $2K | 4.02% |
| ELIZABETH MARIE LANGEVIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $277 | $1K | 3.27% |
| MARC A GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $857 | $210 | $1K | 2.46% |
| MEGHAN MOFFATT LUCAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | $50 | $288 | 0.66% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $78 | $269 | 0.62% |
| JERRY A EDGAR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.46% |
| JILL R LAMBERT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $34 | $174 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.12% |
| JENNIFER GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.06% |
| CAROLYN GROVER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| DESIREE WENDELL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| ALEXANDER OTTONIEL CANAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| CARRIE S FLATEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 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 | 410 | Currently employed and enrolled or eligible. |
| 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 | 147 | $286K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 809 | $368K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 809 | $368K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 809 | $368K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 147 | $286K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 809 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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.