| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP 18TH FLOOR NEW YORK, NY 10005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.78% |
| HELEN DIZ-HATTON3 | 8251 GREENSBORO DR MCLAINE, VA 22012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $488 | $2K | 7.92% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $590 | $14 | $604 | 2.29% |
| JOHN FOXX3 | 15 SANDPIPER ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $517 | — | $517 | 1.96% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $499 | $12 | $511 | 1.94% |
| STEVE MICHAEL EISENBERG3 | 12 SOMERSET STREET WETHERSFIELD, CT 06109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.30% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 18TH FLOOR NEW YORK, NY 100053557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 18.59% |
| HELEN DIZ-HATTON3 | 8251 GREENSBORO DR MCLAINE, VA 22012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 13.99% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH ROAD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $100 | $1K | 5.84% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $742 | $27 | $769 | 3.10% |
| MARTIN PHILLIP OCONNOR3 | 316 LIMESTONE RD. CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | — | $340 | 1.37% |
| JULIANE D BERRY3 | 212 LAKESHIRE DRIVE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $25 | $329 | 1.33% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 88 VILLA RD GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $107 | $296 | 1.19% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $97 | $193 | 0.78% |
| TAWANA KAYE GRIFFIN3 | PO BOX 1916 MIDDLEBURG, FL 32050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $6 | $147 | 0.59% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $24 | $124 | 0.50% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $25 | $48 | 0.19% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $12 | $38 | 0.15% |
| ROMEO TYRONE GAINEY3 | 1343 PARLIAMENT LAKE DR COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $11 | $37 | 0.15% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $22 | $36 | 0.15% |
| WENDY O LANGSTON3 | 120 LONGWOOD PASS IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $2 | $28 | 0.11% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | 0.09% |
| APEX SOLUTIONS GROUP OF FLORIDA LLC3 | 15770 JIM CT JACKSONVILLE, FL 32218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $5 | $15 | 0.06% |
| CAPTURED MOMENTS BY KATE LLC3 | 8074 GATE PARKWAY WEST JACKSONVILLE, FL 32216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $4 | $14 | 0.06% |
| BRYCE WILLIAM SMITH3 | 4212 AUDUBON PARK DR CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FL 18 NEW YORK, NY 10005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 16.63% |
| HELEN DIZ-HATTON3 | 8251 GREENSBORO DR MCLAINE, VA 22012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $635 | $2K | 11.36% |
| WENDY O LANGSTON3 | 120 LONGWOOD PASS IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $644 | $44 | $688 | 3.63% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $477 | $114 | $591 | 3.12% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | $18 | $536 | 2.83% |
| AMANDA K BERRY3 | 212 LAKESHIRE DRIVE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $37 | $341 | 1.80% |
| JASON PAUL CAMPBELL3 | 1816 PIEDMONT HILLS PL CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $9 | $328 | 1.73% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $95 | $182 | 0.96% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $106 | $172 | 0.91% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $59 | $117 | 0.62% |
| BRYCE WILLIAM SMITH3 | 4212 AUDUBON PARK DR CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.35% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.11% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FL 18 NEW YORK, NY 100053557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $870 | — | $870 | 7.58% |
| HELEN DIZ-HATTON3 | 8251 GREENSBORO DR MCLAINE, VA 22012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $524 | $121 | $645 | 5.62% |
| DAN YAARY3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $12 | $271 | 2.36% |
| BRET THOMAS JENKIN3 | 808 KATHERINE DR SUN PRAIRIE, WI 53590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | — | $215 | 1.87% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | $4 | $190 | 1.66% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $9 | $44 | 0.38% |
| JASON PAUL CAMPBELL3 | 1816 PIEDMONT HILLS PL CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $1 | $31 | 0.27% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $2 | $26 | 0.23% |
| GARSON FINANCIAL SERVICES S C3 | 904 E PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $3 | $24 | 0.21% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | 0.08% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.03% |
| BRYCE WILLIAM SMITH3 | 4212 AUDUBON PARK DR CHARLOTTE, NC 28217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.02% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.02% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 18TH FLOOR NEW YORK, NY 10005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 11.99% |
| HELEN DIZ-HATTON3 | 8251 GREENSBORO DR MCLAINE, VA 22012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $56 | $216 | 8.75% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $1 | $56 | 2.27% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $2 | $55 | 2.23% |
| JOHN FOXX3 | 15 SANDPIPER ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 1.22% |
| STEVE MICHAEL EISENBERG3 | 12 SOMERSET STREET WETHERSFIELD, CT 06109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.20% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(5 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.