| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | BLUECROSS BLUESHIELD OF ILLINOIS | $197K | $0 | $197K | 3.86% |
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | DEARBORN LIFE INSURANCE COMPANY | $42K | $0 | $42K | 9.70% |
| KIMBERLY ANNE CUNNINGHAM3 | 266 FERRY LANDING CIR PORTSMOUTH, RI 02871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $27K | $41K | 50.00% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $8K | $15K | 17.92% |
| CARLA STINER REEL3 | 12322 MALLARD BAY DR KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $555 | $3K | 4.18% |
| MARY DAUGHERTY3 | PO BOX 119 ROCKY TOP, TN 37769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $542 | $2K | 2.87% |
| CLARICE R MIMS3 | 133 HILLCREST DRIVE MARLBORO, NY 12542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $252 | $2K | 2.40% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON ST CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $541 | $2K | 2.09% |
| JENNIFER ROWLAND3 | 205 N SUNSET BLVD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $314 | $2K | 2.03% |
| BENEFOUNDRY INC3 | 3013 LARGE HOP LN ANTIOCH, TN 37013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $597 | $572 | $1K | 1.44% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINTE DR KNOXVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $875 | $48 | $923 | 1.14% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | $543 | $772 | 0.95% |
| DENNIS E TRAYWICK3 | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $64 | $171 | 0.21% |
| MARY-JOYCE LICATA3 | 24 CORLANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $24 | $102 | 0.13% |
| JOSEPH NISWONGER3 | 787 VAIL DR JACKSONVILLE, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $16 | $98 | 0.12% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $14 | $96 | 0.12% |
| JM TAMER & CO3 | 6500 PAPERMILL DR STE 201 KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $3 | $15 | 0.02% |
| COLGATE BENEFITS INC3 | 43 MAGILL DR GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| GINAKES & ASSOCIATES LLC3 | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| BRIAN R CHOWNING3 | 36241 S GRAYS AIRPORT RD FRUITLAND PARK, FL 34731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH LLC | 2940 OAKTREE DR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 450 | 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) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 744 | $5.1M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 744 | $5.1M |
| Vision | EYEMED VISION ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 651 | $41K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 506 | $429K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 506 | $429K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 506 | $429K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 744 | $5.1M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 506 | $510K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 744 | — |
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.