| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST 6TH FL SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $139K | — | $139K | 6.68% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK RD SPARKS EXECUTIVE PLAZA, STE 400 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $57K | $57K | 2.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR STE T220 MCLEAN, VA 22102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $10K | $34K | 11.13% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS RD STE 106 COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $5K | $20K | 6.59% |
| COLLEEN A VOGAN3 | 241 TWENG TRAIL LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $127 | $8K | 2.77% |
| MARCEY STEESE3 | 247 STEFAN DR APT 13 CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 0.99% |
| INSPIRED INC3 Filed as: INSPIRED LLC | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $998 | $223 | $1K | 0.40% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DR HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $56 | $1K | 0.38% |
| ROBERT VONGUNTEN3 | 10341 WOODSBORO RD WOODSBORO, MD 21798 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $15 | $1K | 0.35% |
| AMY E COHEN3 | 19967 VILLA LANTE PL BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $671 | $74 | $745 | 0.24% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH RD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $562 | $42 | $604 | 0.20% |
| ERNESTO MCKENZIE JR3 | 9210 TOMS TRL LAUREL, MD 20723 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $571 | — | $571 | 0.19% |
| DAVID SCHENKEL JR3 Filed as: DAVID MATCHA | 11870 GRAND PARK AVE APT 802 ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | $23 | $388 | 0.13% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASSS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | — | $365 | 0.12% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM LOOP DR STE 200 CAMDEN, NJ 08103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | — | $320 | 0.10% |
| GREG W WOOLLEY3 | 15492 CLIFFVIEW DR MONTCLAIR, VA 22025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | $16 | $292 | 0.10% |
| BROOKE HARMON3 | 70 HENRY LIVINGSTON RD POMARIA, SC 29126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $84 | $287 | 0.09% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $15 | $218 | 0.07% |
| MARY DAUGHERTY3 | PO BOX 119 ROCKY TOP, TN 37769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $28 | $218 | 0.07% |
| BROOKE HARMON3 Filed as: BROOKE HARMON & ASSOCIATES LLC | 70 HENRY LIVINGSTON RD POMARIA, SC 29126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $26 | $149 | 0.05% |
| KAREN LINDER-STAUBS3 | 2510 PROCTOR LN BALTIMORE, MD 21234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.02% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DR OAKLAND, MD 21550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $6 | $55 | 0.02% |
| BENEFOUNDRY INC3 | 3013 LARGE HOP LN ANTIOCH, TN 37013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $11 | $35 | 0.01% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK RD SPARKS EXECUTIVE PLAZA STE 400 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $7K | $4K | $11K | 23.00% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 253 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 253 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 253 | $2.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 258 | $48K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 258 | $48K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 253 | $2.1M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 258 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.