| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARRIE LYNN PIKE3 | 1551 SCENIC RIDGE DRIVE CHEYENNE, WY 82009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $0 | $39K | 24.82% |
| MELISSA A KOLL3 Filed as: MELISSA A. KOLL | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $926 | $4K | 2.62% |
| LEAVITT GROUP3 Filed as: CIA-LEAVITT INSURANCE AGENCY, INC. | PO BOX 5002 ALAMOSA, CO 81101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.94% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC. | 9720 EAST 151ST PLACE BRIGHTON, CO 80602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $16 | $3K | 1.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC & OTHERS | 550 POPLAR STREET CASPER, WY 82601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $45 | $1K | 0.84% |
| ASHLEY MORGER3 | PO BOX 34 PIERCE, CO 80650 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $870 | $38 | $908 | 0.58% |
| JILL-ANNA LUEKEN3 | 6315 MORGAN BRANCH WAY LELAND, NC 28451 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $795 | $95 | $890 | 0.56% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 171 | $158K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 171 | $158K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 171 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.