| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 101 W MAIN STREET NORFOLK, VA 23510 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 24.33% |
| ROBERT S. RICH3 | 5313 MOCKINGBIRD VALLEY ROAD LAGRANGE, KY 40031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $482 | $16K | 17.79% |
| BART GAUNT3 | 4021 SAINT GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 7.69% |
| VICKI E. LEWIS3 | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 4.81% |
| SCHWARTZ AND ASSOCIATES INC.3 Filed as: SCHWARTZ AND ASSOCIATES | 2950 BRECKENRIDGE LANE LOUISVILLE, KY 40220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $501 | — | $501 | 0.57% |
| SUSAN LYNNE ARRU3 Filed as: SUSAN L. ARRU | 10010 INDEPENDENCE SCHOOL ROAD LOUISVILLE, KY 40291 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.11% |
| ALLISON JAMIE TAMARES3 Filed as: ALLISON TAMARES AND OTHER AGENTS | 9041 COUNTRY MILL LANE JACKSONVILLE, FL 32222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 142 | $88K |
| Prescription drug | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 142 | $88K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 142 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.