| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 8337 W. SUNSET ROAD, SUITE 290 LAS VEGAS, NV 89113 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.85% |
| ACRIALPS LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $589 | $3K | 20.57% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $643 | $3K | 17.79% |
| ANTONIA DAVILA3 Filed as: ANTONIA MARIA HOLDEN | 8932 CREEKFORD DR LAKESIDE, CA 92040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $29 | $217 | 1.54% |
| KARLA ALEXANDER3 | 3524 OBERON LN LAS VEGAS, NV 89032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $20 | $208 | 1.47% |
| CHRISTINA STAHL3 | 9621 CANYON MESA DR LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $76 | $186 | 1.32% |
| GEORGE MICHAEL SORRENTINO3 | 3055 RED SPRINGS DRIVE LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $76 | $186 | 1.32% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L WARE INC | 11425 PERUGINO DR LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | — | $148 | 1.05% |
| ANTHONY SCOTT HARRELL3 | 1452 W. HORIZON RIDGE PKWY HENDERSON, NV 89012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $36 | $121 | 0.86% |
| MICHELLE LISA FREDRICKSON3 | 9456 VICTORY GARDEN AVE LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $17 | $120 | 0.85% |
| ASSUREDPARTNERS3 Filed as: JENNIFER RENEE BLAIR | 3949 CARLA ANN RD NORTH LAS VEGAS, NV 89081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $15 | $91 | 0.64% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE INC. | 18 STONEMARK DRIVE HENDERSON, NV 89052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $13 | $89 | 0.63% |
| ROGER STUART KENCHEL3 | 2588 EL CAMINO REAL, STE F188 CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $15 | $69 | 0.49% |
| IVONNE MARTINEZ MURRAY3 | 913 S GARDNER DR CHANDLER, AZ 85224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.43% |
| ALEXANDRA DIANE SORRENTINO3 | 3055 RED SPRINGS DRIVE LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $7 | $56 | 0.40% |
| MADISEN LYNN GERZ3 | 3534 GWYNELLE CT SPARKS, NV 89431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $8 | $55 | 0.39% |
| BRIGATA LLC3 | 104 CAPETOWN CT, UNIT 104 WEAVERVILLE, NC 28787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $9 | $36 | 0.26% |
| SHAWNEENA MERCADO OVERLY3 Filed as: SHAWNEENA MERCARDO OVERLY | 3958 PARKERS FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $5 | $36 | 0.26% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK MICHAEL SORRENTINO | 9110 W. TROPICANA AVE LAS VEGAS, NV 89147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $1 | $28 | 0.20% |
| CHARLES JOSEPH RINZLER3 | 924 B NW 52ND STREET SEATTLE, WA 98107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $3 | $25 | 0.18% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADOW VIEW DRIVEUNIT 1503 CHINO HILLS, CA 91709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $4 | $20 | 0.14% |
| RYAN WARE3 | 11632 REGAL ROCK PL LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.13% |
| ANDRES RAMIREZ3 | 7568 MISSION PALM STREET LAS VEGAS, NV 89139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $1 | $18 | 0.13% |
| ADAM MICHAEL ANDERSON3 | 200 N CIRCLE DR SAN GABRIEL, CA 91776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.08% |
| NORMA MORFIN3 | 16735 LA CANTERA PARKWAY SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| JENNIFER JEAN MOYA3 | 24548 VIA LAS LADERAS MURIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.04% |
| CHERYL LYNN GAONA3 | 11912 KILLIAN ST EL MONTE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.04% |
| EDWARD ALBERT GUY JR3 | 716 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.03% |
| LOYDA VALDEZ3 | 546 S 400 E IVINS, UT 84738 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| KIM REED SMITH3 Filed as: KIM R TERRELL | 1644 STUBBS VINSON ROAD MONROE, LA 71203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SHANNON SPEARS3 | 363 WINDERMERE BOULEVARD, UNIT 116 ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 6320 GREENHAVEN DR CARLSBAD, CA 92009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ELTHON ISRAEL CRUZ3 | 893 S 2100 W OREM, UT 84059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MERI HOWARD3 | 8465 W SAHARA AVE # 111-308 LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SILVIA AGUILAR ALVISO3 | 5809 ALIMAR DR LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| DEL DOWNEY3 | 32056 MERLOT CRST TEMECULA, CA 92591 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | $1 | — | $1 | 0.01% |
| GRUBBS INSURANCE3 | 525 TAYLOR ROAD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $20K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $20K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $20K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
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.