| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED HEALTHCARE INSURANCE COMPANY | $75K | — | $75K | 5.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE CALIFORNIA | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752511814 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITED HEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.10% |
| ACRIALPS LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36K | $10K | $47K | 41.93% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $8K | $34K | 30.64% |
| ASSUREDPARTNERS3 Filed as: JENNIFER RENEE BLAIR | 3949 CARLA ANN RD NORTH LAS VEGAS, NV 89081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $697 | $3K | 2.83% |
| ALEXANDRA DIANE SORRENTINO3 | 3055 RED SPRINGS DRIVE LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $608 | $3K | 2.51% |
| ROGER STUART KENCHEL3 | 2588 EL CAMINO REAL, STE F188 CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $522 | $3K | 2.26% |
| KARLA ALEXANDER3 | 3524 OBERON LN LAS VEGAS, NV 89032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $241 | $2K | 2.00% |
| ANTONIA DAVILA3 Filed as: ANTONIA MARIA HOLDEN | 8932 CREEKFORD DR LAKESIDE, CA 92040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $306 | $2K | 1.90% |
| MADISEN LYNN GERZ3 | 3534 GWYNELLE CT SPARKS, NV 89431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $438 | $2K | 1.75% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L WARE INC | 11425 PERUGINO DR LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.55% |
| BRIGATA LLC3 | 104 CAPETOWN CT, UNIT 104 WEAVERVILLE, NC 28787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $954 | $454 | $1K | 1.26% |
| ANDREWS RAMIREZ3 | 7568 MISSION PALM STREET LAS VEGAS, NV 89139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| LOYDA VALDEZ3 | 546 S 400 E IVINS, UT 84738 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $928 | $31 | $959 | 0.86% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE INC. | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | $173 | $828 | 0.74% |
| CHELSEA L WARE LLC3 | 233 W 21ST ST NEW YORK, NY 10011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $524 | — | $524 | 0.47% |
| GEORGE MICHAEL SORRENTINO3 | 3055 RED SPRINGS DRIVE LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $359 | $389 | 0.35% |
| CHRISTINA STAHL3 | 9621 CANYON MESA DR LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $338 | $368 | 0.33% |
| MICHELLE LISA FREDRICKSON3 | 9456 VICTORY GARDEN AVE LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | $51 | $366 | 0.33% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK MICHAEL SORRENTINO | 9110 W. TROPICANA AVE LAS VEGAS, NV 89147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $26 | $271 | 0.24% |
| RYAN WARE3 | 11632 REGAL ROCK PL LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 0.24% |
| SHANNON SPEARS3 | 363 WINDERMERE BOULEVARD, UNIT 116 ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | $11 | $221 | 0.20% |
| JENNIFER JEAN MOYA3 | 24548 VIA LAS LADERAS MURIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $18 | $141 | 0.13% |
| KIM REED SMITH3 Filed as: KIM R TERRELL | 1644 STUBBS VINSON ROAD MONROE, LA 71203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $3 | $105 | 0.09% |
| CHARLES JOSEPH RINZLER3 | 924 B NW 52ND STREET SEATTLE, WA 98107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $4 | $79 | 0.07% |
| MERI HOWARD3 | 8465 W SAHARA AVE # 111-308 LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.05% |
| SILVIA AGUILAR ALVISO3 | 5809 ALIMAR DR LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.05% |
| EDWARD ALBERT GUY JR3 | 716 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $6 | $35 | 0.03% |
| MICHAEL MALONE SUMERFORD3 | 14 HIGHWAY 454 PINEVILLE, LA 71360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $9 | $27 | 0.02% |
| ROBERT P CLARK3 | 9645 BAYMEADOWS RD, APT 722 JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| PETER C. FOY & ASSOCIATES3 Filed as: PETER C FOY & ASSOC INSURANCE SVCS | 6200 CANOGA AVE, STE 325 WOODLAND HILLS, CA 91367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ELTHON ISRAEL CRUZ3 | 893 S 2100 W OREM, UT 84059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 525 TAYLOR ROAD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| DEL DOWNEY3 | 32056 MERLOT CRST TEMECULA, CA 92591 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SHAWN MORRISON LLC3 | 2173 SW CENTERVILLE AVE FORT WHITE, FL 32038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID B MERKHOFER | 2704 SETTER PL TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 8337 W. SUNSET ROAD, SUITE 290 LAS VEGAS, NV 89113 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 27.53% |
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 | 236 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 329 | $1.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 329 | $1.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 329 | $1.3M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 286 | $36K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 286 | $36K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 329 | $1.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 286 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.