| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 Filed as: ELF VENTURES DBA INTREPID | INTREPID 400 INTERSTATE NORTH ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $0 | $21K | 7.53% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $5K | $12K | 4.46% |
| HORIZON MANAGEMENT LLC3 Filed as: HORIZON MANAGEMENT, LLC | PO BOX 249 SIGNAL MOUNTAIN, TN 37377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $5K | $8K | 3.04% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 1.87% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.22% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $171 | $2K | 0.86% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES, INC. | 777 DREWRY ST. NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.83% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS, INC. | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 0.39% |
| DALE T BUTLER3 | 15234 REEDS STREET OVERLAND PARK, KS 66223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $837 | $94 | $931 | 0.34% |
| ALYSSA PETTIT3 | 11469 OLIVE BLVD. ST. LOUIS, MO 63141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $835 | $0 | $835 | 0.30% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $653 | $83 | $736 | 0.27% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $631 | $100 | $731 | 0.26% |
| AMY BETTIS-SHAH3 | 165 BONNIE LYNN TER SOUTHGATE, KY 41071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $553 | $174 | $727 | 0.26% |
| GAIL DIANE AMES3 | 1224 STONE BLUFF DRIVE FENTON, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $565 | $115 | $680 | 0.25% |
| DARRYL J YOUNG3 Filed as: DARRYL JOHN YOUNG | 4522 SHADY PLACE COURT BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $294 | $638 | 0.23% |
| KIMBERLY AMORE COSTELLO3 | 26183 BIRCHCREST DRIVE CHESTERFIELD, MI 48051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $577 | $22 | $599 | 0.22% |
| YOUNG AGENCY LLC3 | 326 WESLEY CIRCLE MACON, GA 31204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | $241 | $535 | 0.19% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $130 | $494 | 0.18% |
| DAWN M RUEHL3 | 1301 GLENDALE GARDENS DRIVE GLENDALE, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $153 | $482 | 0.17% |
| THOMAS WAYNE FIELDS3 | 204 POTOMAC CT. WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $370 | $11 | $381 | 0.14% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $105 | $370 | 0.13% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DRIVE ST LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $180 | $333 | 0.12% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | $30 | $300 | 0.11% |
| ERIS VENTURES LLC3 | 931 MONROE DRIVE NE ATLANTA, GA 30308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $0 | $289 | 0.10% |
| BRYON A BROWDER3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $282 | $0 | $282 | 0.10% |
| MARK W CHILDRESS3 | 1320 NAGEL ROAD CINCINNATI, OH 45255 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $226 | $272 | 0.10% |
| SALLY ANN PRICE3 | 204 BREWER ST LAKOTA, IA 50451 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $16 | $238 | 0.09% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $19 | $212 | 0.08% |
| AMY MARIE RENNER3 | 217 DEANE CT ST LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $19 | $206 | 0.07% |
| TASHANA TRICE3 | 1017 GOSSAMERE WAY STOCKBRIDGE, GA 30281 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $0 | $205 | 0.07% |
| JEFFREY CHARLES NICKEL3 | 898 LOCKSLEY MANOR DR LAKE ST LOUIS, MO 63367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $0 | $194 | 0.07% |
| RICHARD STURM3 | 3231 SOUTH HALSTED CHICAGO, IL 60608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $3 | $160 | 0.06% |
| BENECOMM RESOURCES INC3 | 2643 BEAVER AVE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $0 | $159 | 0.06% |
| TONI F KING3 | 2843 CROSS CREEK RD. BUFFALO, WV 25033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $0 | $154 | 0.06% |
| CAROL BARNES3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $14 | $125 | 0.05% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES, INC. | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $2 | $87 | 0.03% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $30 | $82 | 0.03% |
| JADE CHRISTINE PINSON3 | 1224 STONE BLUFF DR. FENTON, MO 63026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $8 | $80 | 0.03% |
| NORTH FLORIDA BENEFIT SOLUTIONS INC3 | 12659-1 PLUMMER GRANT ROAD JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $4 | $79 | 0.03% |
| JULIE GOLD3 | 1301 GLENDALE GARDENS DR ST LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | 0.03% |
| MITCHELL HECTOR MORALES3 | PO BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $10 | $69 | 0.02% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $5 | $68 | 0.02% |
| ROBERT ANTHONY MARTIN3 | 1225 NORTHWEST 21ST STREET STUART, FL 34994 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $2 | $64 | 0.02% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $26 | $64 | 0.02% |
| GAIL D GOODEN CORP3 | 1224 STONE BLUFF DRIVE FENTON, MO 63026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $15 | $60 | 0.02% |
| JUDITH C BARKSDALE3 | 6833 GLENLAKE PARKWAY SANDY SPRINGS, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.02% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $18 | $50 | 0.02% |
| KELSEY M CROSS3 | 1301 GLENDALE GARDENS DRIVE GLENDALE, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.01% |
| ASSURED BENEFIT SERVICES INC3 Filed as: ASSURED BENEFIT SERVICES, INC. | SUITE 102 NEWNEN, GA 30263 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $5 | $36 | 0.01% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DR MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.01% |
| MICHAEL DONLEY3 | 2241 STONE BLUFF DRIVE SIOUX CITY, IA 51104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.01% |
| MARIA VERONICA JARQUE3 | 8366 VIA SONOMA UNIT E LA JOLLA, CA 92037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $4 | $28 | 0.01% |
| MAGDALENA RUIZ DE GOMEZ3 | 163 STILLWOOD DR NEWNAN, GA 30265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.01% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LL, INC. | 248 RIVERWOOD DR LEWISVILLE, NC 27023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $10 | $24 | 0.01% |
| NICK WISDA3 | 2196 TOWNSHIP RD 55 NEVADA, OH 44849 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.01% |
| DANA MARIE MOWATT3 | 23701 S. WESTERN AVENUE #112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $2 | $20 | 0.01% |
| STEPHEN HOOVER3 | 1431 SOUTHLAND VISTA CT. NE ATLANTA, GA 30329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.01% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LN HOUSTON, TX 77055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.01% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 | 103 6TH AVE. ST. ALBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.00% |
| BUDDY GLENN DRIVER3 | 1703 TAMARACK DR. WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.00% |
| KURT LOREN UNGLAUB3 Filed as: KURT LOREN UGLAUB | 221 WARREN AVE. THOMASVILLE, GA 31792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.00% |
| DAN YAARY3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| WILLIAM BENJAMIN KIRKLAND3 | 1899 ATKINSON BLVD. W. PEARSON, GA 31642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| FRANCISCO X CABRERA3 | P.O. BOX 1871 FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| COLONIAL OF NORTH TEXAS INSURANCE3 Filed as: COLONIAL OF NORTH TEXAS INS. GROUP | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| JULIE M BAYER3 | 5557 TWIN LAKES CT. CINCINNATI, OH 45247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| AMY J ARMSTRONG LLC3 | 10169 FALCON RIDGE DRIVE INDEPENDENCE, KY 41051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| JAKORP INC3 | 15254 WINESPRINGS CT SAN DIEGO, CA 92127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| SANDRA DRIVER3 | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | P 0 BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 LNDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| GREG F. DUNN3 | 425 SECOND STREET SE SUITE 1150 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.50% |
| GREG F. DUNN3 | 425 SECOND STREET SE SUITE 1150 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $0 | $19K | 11.50% |
| GREG F. DUNN3 | 425 SECOND STREET SE SUITE 1150 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.82% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC, DBA INTREPID | 400 INTERSTATE N PKWY SE SUITE 600 ATLANTA, GA 303395001 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 10.01% |
| KDL INSURANCE BENEFITS, INC.3 Filed as: KDL INSURNACE BENEFITS, INC. | 9085 BETHEL RD. GAINESVILLE, GA 30506 | THE PAUL REVERE LIFE INSURANCE COMPANY | $338 | $55 | $393 | 2.40% |
| MICHAEL C WALKER3 Filed as: MICHAEL MASSARELLI | 536 A BERLIN ST SOUTHINGTON, CT 06489 | THE PAUL REVERE LIFE INSURANCE COMPANY | $281 | $10 | $291 | 1.78% |
| LAURIE J BURNS3 Filed as: LAURIE J. BURNS | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | THE PAUL REVERE LIFE INSURANCE COMPANY | $124 | $16 | $140 | 0.85% |
| HORIZON MANAGEMENT LLC3 | PO BOX 249 SIGNAL MOUNTAIN, TN 37377 | THE PAUL REVERE LIFE INSURANCE COMPANY | $131 | $0 | $131 | 0.80% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES, INC. | 777 DREWRY ST. NE ATLANTA, GA 30306 | THE PAUL REVERE LIFE INSURANCE COMPANY | $120 | $0 | $120 | 0.73% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $67 | $0 | $67 | 0.41% |
| RONALD MARTIN BILDSTEIN3 | 135 CADILLAC STREET SYRACUSE, NY 13208 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.16% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.08% |
| DAVID L FLEURY3 | 545 SOUTH WATER ST PROVIDENCE, RI 02903 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.06% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES, INC. | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| GREG F. DUNN3 | 425 SECOND STREET SE SUITE 1150 CEDAR RAPIDS, IA 52401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL MASSARELLI | 536 A BERLIN ST. SOUTHINGTON, CT 06489 | THE PAUL REVERE LIFE INSURANCE COMPANY | $51 | $4 | $55 | 5.04% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 9045 BETHEL RD. GAINESVILLE, GA 30506 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | $6 | $38 | 3.48% |
| HORIZON MANAGEMENT LLC3 Filed as: HORIZON MANAGEMENT, LLC | PO BOX 249 SIGNAL MOUNTAIN, TN 37377 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 1.37% |
| ROSEANN REYNOLDS3 | 163 CEDAR ST. BRADFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.37% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH MAIN ST. PROVIDENCE, RI 02903 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.27% |
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 | 1,039 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,804 | $216K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,001 | $168K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,001 | $214K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,001 | $142K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,804 | $134K |
| Other(5 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,001 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,804 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.