| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $189K | $16K | $205K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73K | $6K | $80K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR ATLANTA, GA 30342 | VISION SERVICE PLAN | $15K | $0 | $15K | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419103 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 5.11% |
| THE HORTON GROUP3 Filed as: ANITA HORTON | 591 FAIRWAY DR WOODSTOCK, GA 30189 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $463 | $19K | 10.03% |
| R J K & ASSOCIATES INC3 | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $289 | $2K | 1.16% |
| NORMAC SOLUTIONS INC3 | 451 HOPKINS ROAD TOWNVILLE, SC 29689 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $511 | $2K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 902 ABBEY COURT ALPHARETTA, GA 30004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $867 | $0 | $867 | 0.46% |
| DORIS M KERCHNER3 | 1875 KERRY CREEK DRIVE MARIETTA, GA 30066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $544 | $12 | $556 | 0.30% |
| VINSON K ELLENBERG3 | 905 ADAIR AVE NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $447 | $13 | $460 | 0.24% |
| RENE ELIZABETH MARSE3 | 610 DILTON ST RIVER RIDGE, LA 70123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $422 | $5 | $427 | 0.23% |
| ROGER LAPHAM3 | 23 WATERFORD OAKS LN KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $314 | $33 | $347 | 0.18% |
| DOREEN REESE & ASSOCIATES LLC3 | 925 MAIN STREET STONE MOUNTAIN, GA 30083 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $320 | $0 | $320 | 0.17% |
| DEBBIE RENEA CUNNINGHAM3 | 4006 WINDSONG TRAIL GREENBRIER, TN 37073 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $295 | $0 | $295 | 0.16% |
| LOIS JEAN BUNCH3 | 916 PINE STREET HALSTEAD, KS 67056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $264 | $0 | $264 | 0.14% |
| SHANNON PIERCE3 | 1051 TRAPPERS COVE CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $249 | $13 | $262 | 0.14% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $253 | $8 | $261 | 0.14% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $226 | $13 | $239 | 0.13% |
| DEBRA JEAN HUMPHREY3 | 1325 MARDI LN HOUSTON, TX 77055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $7 | $214 | 0.11% |
| CHRISTI MAE WOODARD3 | 5405 SUDBURY LANE OKLAHOMA CITY, OK 73135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $213 | $0 | $213 | 0.11% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $41 | $196 | 0.10% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $131 | $58 | $189 | 0.10% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DR MANDEVILLE, LA 70471 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $21 | $127 | 0.07% |
| LISA DAWN RENNELL3 | 3313 ORCHARD GRASS RD LEXINGTON, KY 40509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $120 | $0 | $120 | 0.06% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $21 | $117 | 0.06% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $19 | $105 | 0.06% |
| PATRICIA A DUNCAN3 | 520 WHEATFIELD RD. FRANKLIN, NC 28734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $104 | $0 | $104 | 0.06% |
| HARRINGTON CONSULTING3 | 2820 ANDOVER WAY WOODSTOCK, GA 30189 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $0 | $92 | 0.05% |
| KANSAS BENEFIT COUNSELORS LLC3 | 5211 W 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.04% |
| RODNEY G STORCK3 | 609 NORTH BROADWAY WICHITA, KS 67214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.04% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $8 | $71 | 0.04% |
| TARA A DEFFES3 | 1321 OCHSNER BLVD COVINGTON, LA 70433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $4 | $67 | 0.04% |
| BARBARA J LAKE3 | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $5 | $65 | 0.03% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.03% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.03% |
| SAMUEL A MCFALL3 | 609 NORTH BROADWAY WICHITA, KS 67214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $1 | $56 | 0.03% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVENUE SACRAMENTO, CA 95820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.03% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.03% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $4 | $40 | 0.02% |
| JANE WEST3 | 1604 BRAEBURY CIRCLE NASHVILLE, TN 37211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.02% |
| JEANNETTE SUE WESTERWELLE3 | 2005 JOHN STUART DR MOUNT STERLING, KY 40353 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.02% |
| CARTER BENEFITS SOLUTIONS LLC3 | 22411 WILDWOOD GROVE DR. KATY, TX 77450 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.02% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $19 | $31 | 0.02% |
| DOUGLAS LOYAL NERDAHL3 | 4808 NW 77TH ST OKLAHOMA CITY, OK 73132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.02% |
| NANCY LAPHAM3 | 23 WATERFORD OAKS LN KEMAH, TX 77565 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $4 | $28 | 0.01% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $8 | $28 | 0.01% |
| J AUSTIN BAKER3 | 855 WILLOW TREE CIRCLE CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $8 | $23 | 0.01% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $7 | $22 | 0.01% |
| BILODEAU INC3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $5 | $20 | 0.01% |
| PATRICIA M PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $5 | $17 | 0.01% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DR MADISONVILLE, LA 70447 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| BENEFITS ENRICHED INC3 | 705 FISHERVILLE RD COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| NORTH FLORIDA BENEFIT SOLUTIONS INC3 | 12659-1 PLUMMER GRANT ROAD JACKSONVILLE, FL 32258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| MIKE TERRY3 | P O BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| MARGARET C TERRY3 | P O BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| SHAWN MARIE KING3 | 705 FISHERVILLE RD COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $865 | $19K | 26.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $597 | $11K | 49.61% |
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 | 2,555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 31 | $224K |
| Vision | VISION SERVICE PLAN | 2,313 | $331K |
| Life insurance(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,127 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,127 | $1.3M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 31 | $224K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,127 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,127 | — |
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.