| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE INDIVIDUAL BROKERS | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107K | $4K | $111K | 20.55% |
| SOFER STEINER3 | 2700 POST OAK BLVD, STE 1150 HOUSTON, TX 77056 | GUARDIAN | $10K | $0 | $10K | 6.56% |
| INSGROUP INC3 Filed as: INSGROUP INC. DBA BUSINESS I | 1455 W LOOP SOUTH, 9TH FLOOR HOUSTON, TX 77027 | GUARDIAN | $5K | $0 | $5K | 3.44% |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 180 | $847K |
| Dental | GUARDIAN | 263 | $154K |
| Vision | GUARDIAN | 263 | $154K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 112 | $541K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 112 | $541K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 180 | $847K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 112 | $541K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.