| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $106 | $3K | 2.33% |
| ROBERT G DE MAILLY3 | 522 CLEARVIEW DR COLUMBUS, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.20% |
| RODNEY J VALDIVIA3 | 801 SW 189TH AVE PEMBROKE PINES, FL 33029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $228 | $2K | 1.92% |
| JAMES C VANDERWAAL3 | 2751 CENTERVILLE RD STE 301 WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.66% |
| KAMI L STANLEY3 | 4520 S 49TH STREET LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $449 | $331 | $780 | 0.73% |
| CHANDA MANSKE3 | 4636 N 94TH LANE PHOENIX, AZ 85037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $459 | $120 | $579 | 0.54% |
| AUSTIN WALTON3 | 14414 N 44TH DR GLENDALE, AZ 85306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | $79 | $503 | 0.47% |
| DONALD B FAULKNER SR3 | 612 IVY GREEN LANE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | — | $242 | 0.23% |
| TILTON ASSOCIATES INC3 | 4141 NW 10 ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $107 | $237 | 0.22% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $102 | $219 | 0.20% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $100 | $174 | 0.16% |
| ADVANCE BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $63 | $151 | 0.14% |
| DAVID DOUGLAS MANSKE3 | 4636 N 94TH LN PHOENIX, AZ 85037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $54 | $105 | 0.10% |
| MARQUEZ BENEFIT GROUP LLC3 | 11225 NORTH 28TH DR PHOENIX, AZ 85029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $48 | $99 | 0.09% |
| SHERRON HOPPER3 | P.O. BOX 85206 LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.08% |
| SANDRA J RUNION3 | 104 SIR EDWARDS LANE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.03% |
| LISA JANE SNEED3 | 181 BRICKTON VILLIAGE CIRCLE FLETCHER, NC 28732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| TERRY D GARRET3 | 459 RUNNING FOX RD WEST COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| OMAR LEON3 | 3124 N 21ST STREET PHOENIX, AZ 85016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT RD, 400 BERWYN PARK STE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $7 | $2K | 3.11% |
| ECBM LP3 | 1400 N PROVIDENCE RD, SUITE 5025 ROSETREE CORP CENTER BUILDING 2 MEDIA, PA 190631632 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $15 | $2K | 2.79% |
| JAMES C VANDERWAAL3 Filed as: JAMES VANDERWAAL | 2751 CENTERVILLE RD STE 301 WILMINGTON, DE 19808 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.67% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT RD, 400 BERWYN PARK STE 200 BERWYN, PA 19312 | DEARBORN NATIONAL | $4K | — | $4K | 5.18% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $394 | $4K | 7.10% |
| LAURA LEE CARR3 | 424 62ND STREET SW ALBUQUERQUE, NM 87121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.96% |
| DAVID MCLEOD3 | 1207 SOUTH 4 MERKEL, TX 79536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | $83 | $351 | 0.62% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 Filed as: ROTH VOLUNTARY BENEFIT SERVICE INC | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | $2 | $212 | 0.38% |
| PETER R MARTEL3 | 19 HIGHLAND CLIFF ROAD WINDHAM, ME 04062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.16% |
| JOAN C KROEHLER3 | 35 3RD ST BANGOR, ME 04401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.09% |
| DILA R ROMERO3 | 12101 SAN FRANCISCO NE ALBUQUERQUE, NM 87122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.07% |
| DAVID JAMES DIEHL3 | 14698 BASS DR REDDING, CA 96003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.06% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| JULIA MOORE3 | 9208 C ANDERSON DR NW ALBUQUERQUE, NM 87114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| WARREN LEE RUND3 | 7395 OFFENHAUSER DR RENO, NV 89511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| RANDALL E GRAVES3 Filed as: RANDALL E GARVES | 9212 RAVEN AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| CHAPMAN GROUP, INC.3 Filed as: CHAPMAN INC | 31 PINEWOOD DRIVE CUMBERLAND, ME 04021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| AARON VANPELT INC3 | 755 W CARMEL DR CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| STEVE G MONTOYA3 | 23 COUNT ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| EUGENE L BOWEN JR3 | 1438 WESSEX CIR RENO, NV 89503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KEVIN O'NEILL3 Filed as: KEVIN R O'NEILL | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.00% |
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 | 279 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 59 | $164K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $80K |
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 279 | $313K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 59 | $164K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $37K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 279 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.