| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $167K | $13K | $179K | 3.75% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $135K | $11K | $146K | 3.05% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $1K | $17K | 10.53% |
| B3 ENROLLMENT SERVICES, LLC3 Filed as: B3 ENROLLMENT SERVICES LLC | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $821 | — | $821 | 0.51% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $82 | — | $82 | 0.05% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC - GA | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $7 | $3K | 8.18% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: GCD INSRUANCE CONSULTANTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $520 | — | $520 | 1.65% |
| TRILOGY BENEFITS CONSULTING LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $496 | $8 | $504 | 1.60% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH ELIZABETH MAXWELL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $33 | $140 | 0.44% |
| JANET S DOHERTY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.36% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS COPRORATION | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.30% |
| CONSTANCE A SMITH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.28% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: AFFORDABLE INUSRANCE SOLUTIONS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.19% |
| FESSLER AGENCY INC3 Filed as: THE FESSLER AGCY INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.18% |
| DANIELS SOLUTIONS LLC3 Filed as: DANIELS SOLUTIONS INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.18% |
| GREGORY ALLEN BATTEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.15% |
| VLDCO ENTERPRISE LLC3 Filed as: VLDCO ENTERPRISES LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.12% |
| COACH CONCEPTS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| EXCALIBUR FINANCIAL GROUP3 Filed as: EXCALIBUR FINANCIAL GRP INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA PATRICE NANCE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| SCHMIDT BENEFIT GROUP INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| COROCON & HOYT LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.01% |
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 | 241 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 645 | $4.8M |
| Dental | HUMANA INSURANCE COMPANY | 645 | $4.8M |
| Vision | HUMANA INSURANCE COMPANY | 645 | $4.8M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 241 | $191K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 241 | $191K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 241 | $160K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 241 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.