| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DR CLEARWATER, FL 33765 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $2K | $33K | 20.80% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $17K | $31K | 20.07% |
| LISA A THOMPSON3 | 5468 NEW INDEPENDENCE PKWY WINTER GARDEN, FL 34787 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 5.01% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.64% |
| ALTON B BARTON3 | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.40% |
| MARK BRIAN MCROY3 | 2811 MYSTIQUE COURT ROANOKE, VA 24012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.33% |
| MICHELLE I MCADAMS3 | 1545 BOYERS RD HARRISONBURG, VA 22801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.24% |
| ARTURO BANUELOS3 | 102 WAYNE DR LYNCHBURG, VA 24502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $576 | $2K | 1.31% |
| FMCY CONSULTANT LLC3 | 9012 JACK UNDERWOOD RD CLERMONT, FL 34711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $70 | $2K | 1.19% |
| GLENN M CARNIOL3 | 108 LAKE RIDGE DR FOREST, VA 24551 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2 | $2K | 1.15% |
| TIMOTHY C CAVAZOS3 Filed as: TIMOTHY MARK SIMMONS | 5405 STANWOOD WAY GLEN ALEN, VA 23059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $143 | $2K | 1.12% |
| RAYMOND B LINGLE3 | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $276 | $1K | 0.83% |
| TAMARA L PHILLIPS3 | 5302 SPENCER DRIVE ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $865 | $30 | $895 | 0.57% |
| BRIAN MICHAEL KERBELIS3 | 1613 WOODCHUCK COURT WINTER SPRINGS, FL 32708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $766 | $2 | $768 | 0.49% |
| PATRICIA GUTHRIE3 Filed as: PATRICIA A GUTHRIE | 15501 PARKGATE DR CHESTER, VA 23831 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $754 | — | $754 | 0.48% |
| TROY FOX3 | 2910 MAGUIRE ROAD OCOEE, FL 34761 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $528 | $696 | 0.44% |
| EDIANNETTE ROSADOFONSECA3 | 842 COUNTRY CROSSING CT KISSIMMEE, FL 34744 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $107 | $242 | 0.15% |
| E B SPECIALISTS INC3 | 4329 HAWKINS MILL RD LYNCHBURG, VA 24503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $226 | $1 | $227 | 0.14% |
| KIM LYNNETTE KIRBY3 | 665 WYCKLIFFE PL WINTER SPRINGS, FL 32708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 0.14% |
| NEW HOPE BENEFITS & CONSULTING INC3 | 5906 WATERS EDGE RD MIDLOTHIAN, VA 23112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $46 | $162 | 0.10% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $28 | $153 | 0.10% |
| KATHY CARRIE YOUNG3 | 5000 W LEYBURN CT HENRICO, VA 23228 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $1 | $126 | 0.08% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.06% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.68% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.21% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.56% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: RICHARD BOUCHARD INSURANCE INC | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURNACE INC | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $919 | $919 | 4.52% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $448 | $516 | $964 | 20.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DR CLEARWATER, FL 33765 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $843 | $64 | $907 | 18.90% |
| LISA A THOMPSON3 | 5468 NEW INDEPENDENCE PKWY WINTER GARDEN, FL 34787 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $64 | $236 | 4.92% |
| FMCY CONSULTANT LLC3 | 9012 JACK UNDERWOOD RD CLERMONT, FL 34711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $175 | $7 | $182 | 3.79% |
| ALTON B BARTON3 | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 2.81% |
| MARK BRIAN MCROY3 | 2811 MYSTIQUE COURT ROANOKE, VA 24012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 1.52% |
| GLENN M CARNIOL3 | 108 LAKE RIDGE DR FOREST, VA 24551 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 1.46% |
| MICHELLE I MCADAMS3 | 1545 BOYERS RD HARRISONBURG, VA 22801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 1.21% |
| TROY FOX3 | 2910 MAGUIRE ROAD OCOEE, FL 34761 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $42 | $55 | 1.15% |
| ARTURO BANUELOS3 | 102 WAYNE DR LYNCHBURG, VA 24502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $12 | $43 | 0.90% |
| PATRICIA GUTHRIE3 Filed as: PATRICIA A GUTHRIE | 15501 PARKGATE DR CHESTER, VA 23831 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.73% |
| RAYMOND B LINGLE3 | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $7 | $33 | 0.69% |
| TIMOTHY C CAVAZOS3 Filed as: TIMOTHY MARK SIMMONS | 5405 STANWOOD WAY GLEN ALEN, VA 23059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.31% |
| NEW HOPE BENEFITS & CONSULTING INC3 | 5906 WATERS EDGE RD MIDLOTHIAN, VA 23112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.15% |
| TAMARA L PHILLIPS3 | 5302 SPENCER DRIVE ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.13% |
| E B SPECIALISTS INC3 | 4329 HAWKINS MILL RD LYNCHBURG, VA 24503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.10% |
| EDIANNETTE ROSADOFONSECA3 | 842 COUNTRY CROSSING CT KISSIMMEE, FL 34744 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.10% |
| KIM LYNNETTE KIRBY3 | 665 WYCKLIFFE PL WINTER SPRINGS, FL 32708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| KATHY CARRIE YOUNG3 | 5000 W LEYBURN CT HENRICO, VA 23228 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 1,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 615 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 615 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 615 | $20K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 615 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.
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.