| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS INC. | PO BOX 670 RICHMOND, VA 24641 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.23% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.74% |
| JAMES F BAILEY3 Filed as: JAMES F. BAILEY | 7 OAK LANE BLUEFIELD, WV 24701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.14% |
| PETERSON FINANCIAL INC3 Filed as: PETERSON FINANCIAL INC. | 548 CANTON ROAD WINGERSVILLE, OH 43953 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.08% |
| CBF BENEFITS INC3 Filed as: CBF BENEFITS INC. | 1309 HIDDEN HARBOR ROAD MYRTLE BEACH, SC 29577 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $352 | $3K | 7.30% |
| NORTHWEST WORKSITE MARKETING CORP3 Filed as: NORTHWEST WORKSITE MARKETING CORP. | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $172 | $3K | 6.41% |
| JAMES DANIEL MARTINETTE3 | 128 GLEN HOLLIN DRIVE WHEELING, WV 26003 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $50 | $1K | 2.85% |
| NORTHWEST ENROLLX LLC3 | 7656 TOWNSHIP ROAD, SUITE 94 FINDLAY, OH 45840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $471 | $135 | $606 | 1.41% |
| JAMES J PHARES3 Filed as: JAMES J. PHARES | 2037 AZALEE LAND SUMMERVILLE, SC 29483 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.09% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $47K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $47K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $47K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $47K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.