| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KATY LEE MINNICK3 | 7101 RIVER BIRCH STREET TIPP CITY, OH 45371 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $14K | $26K | 17.83% |
| CLAIMLINX, LLC3 Filed as: CLAIMLINX LLC | 10260 ALLIANCE ROAD CINCINNATI, OH 45242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $3K | $25K | 17.33% |
| GERALD JAMES DAVIS3 | 4525 SAINT ANDREWS COURT MIDDLETOWN, OH 45042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $7K | $24K | 16.81% |
| GREGORY PAUL STAUDINGER3 | 5650 GREAT NORTHERN BOULEVARD NORTH OLMSTED, OH 44070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $460 | $244 | $704 | 0.49% |
| SARA MENEFEE MARKOUC3 | 295 AUTUMN RESERVE PARKWAY BRUNSWICK, OH 44212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $358 | $456 | 0.32% |
| DEUNDREA DENEAN SADLER3 | 417 WEST 10TH STREET ELYRIA, OH 44035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $294 | $314 | 0.22% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIRCLE SUITE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $27 | $121 | 0.08% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.01% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LANE WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $144K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.