| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST, SUITE 300 CHARLESTON, WV 25311 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.71% |
| JAMES D THOMAS3 | 5451 ST ANDREWS DRIVE WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $28 | $2K | 3.37% |
| HEALTH CARE REFORM ALTERNATIVES LLC3 Filed as: HEALTH CARE REFORM ALTERNATIVIES LL | 2706 BAR HARBOUR COURT LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $57 | $2K | 3.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES OF WV | 1 HILLCREST DRIVE E CHARLESTON, WV 25311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $489 | $0 | $489 | 0.76% |
| ALAN ROSENBERGER3 | 13 PHAROAHS RUN ROAD RIVERVILLE, WV 26588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $0 | $258 | 0.40% |
| USI INSURANCE SERVICES LLC | 2400 E COMMERICAL BLVD FT FAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.13% |
| MJ INSURANCE3 Filed as: KATI NAIRN AND VARIOUS AGENTS | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.09% |
| ASSUREDPARTNERS Filed as: CBF BENFITS INC | 1309 HIDDEN HARBOUR ROAD MYRTLE BEACH, SC 29577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.04% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 154 | $90K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 155 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.