| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCARE REFORM ALTERNATIVES LLC3 Filed as: HEALTHCARE REFORM ALTERNATIVE LLC | 2706 BAR HARBOUR CT LEWIS CENTER, OH 43035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $645 | $2K | 2.24% |
| WESBANCO INSURANCE SERVICES INC3 | 1350 EARL CORE RD MORGANTOWN, WV 26505 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.94% |
| JAMES D THOMAS3 | 5451 ST ANDRES DR WESTERVILLE, OH 43082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $42 | $2K | 1.85% |
| NICK WISDA3 | 2196 TOWNSHIP RD 55 NEVADA, OH 44849 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $553 | $38 | $591 | 0.58% |
| HAHN, DAVID B3 | 121 BECKETT COURT ST CLAIRSVILLE, OH 43950 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $389 | $99 | $488 | 0.48% |
| MICHAEL W BOYER3 | 7587 HONDA HILLS RD THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $341 | $0 | $341 | 0.33% |
| DWAINE K HOWELL3 | 79 LAKEVIEW DR THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.08% |
| ROBERT CLINTON HEARNS3 | 3821 BILL OF RIGHTS SQ COLUMBUS, OH 43207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.02% |
| KEVIN D HOWELL3 | 60 WEST COLUMBUS STREET THORNVILLE, OH 43076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| KENNETH H LESLIE3 | 1248 WESTHILL DR COLUMBUS, OH 43213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 139 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.