| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ESS NEXTIER INSURANCE GROUP LLC3 | PO BOX 955 KITTANNING, PA 16201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $55K | $55K | 5.00% |
| ESS NEXTIER INSURANCE GROUP LLC3 | PO BOX 955 KITTANNING, PA 16201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| ESS NEXTIER INSURANCE GROUP LLC3 | PO BOX 955 KITTANNING, PA 16201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.35% |
| ESS NEXTIER INSURANCE GROUP LLC3 | PO BOX 955 KITTANNING, PA 16201 | VISION SERVICE PLAN | $814 | — | $814 | 6.31% |
| ESS NEXTIER INSURANCE GROUP LLC3 | PO BOX 955 KITTANNING, PA 16201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.20% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $686 | $5K | 39.15% |
| ESS NEXTIER INSURANCE GROUP LLC3 Filed as: ESS NEXTIER INSURANCE SERVICES LLC | PO BOX 955 KITTANNING, PA 16201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.09% |
| EDWARD JOSEPH CORBETT3 | 6185 S PARI STREET GREENWOOD VILLAGE, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $762 | $262 | $1K | 8.85% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 SOUTH 4TH AVE. BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | $197 | $590 | 5.10% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 955 KITTANNING, PA 16201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | — | $429 | 3.71% |
| BRIAN DAVID ADAMSKI3 | 115 PINE STREET GLEN ROCK, PA 17327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | $63 | $359 | 3.10% |
| SELECTIVE OPTIONS INC3 Filed as: SELECTIVE OPTIONS INC. | 9720 E. 151ST PLACE BRIGHTON, CA 80602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | $64 | $334 | 2.89% |
| AMANDA CAROL MAYFIELD3 | 2055 SYLACAUGA, AL 35151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $6 | $254 | 2.20% |
| ADAM DANIEL LEVINE3 | 200 BUTLER AE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $61 | $112 | 0.97% |
| KRISTEN ELISE RANDALL3 | 22 S GAY DRIVE LONGMONT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.90% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $25 | $75 | 0.65% |
| MARY CATHERINE WILLIAMS3 | 2950 S JAMAICA CT STE 302 AURORA, CA 80014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $2 | $38 | 0.33% |
| RPM BENEFIT ADVISORS LLC3 | 2997 HYDRA DR LOVELAND, CA 80537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.29% |
| MELISSA A KOLL3 | 216 CLIMAX DR DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $4 | $32 | 0.28% |
| JT BENEFITS LLC3 | 262 YEAGER PKWY PELHAM, AK 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | 0.19% |
| C&J BENEFITS AGENCY LLC3 | 262 YEAGER PARKWAY PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | 0.19% |
| RICHARD M KROUT3 | 103 HIDDEN WAY CT. HENDERSONVILLE, TN 37075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.17% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ESS NEXTIER INSURANCE GROUP LLC3 | PO BOX 955 KITTANNING, PA 16201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $363 | — | $363 | 9.99% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $78K |
| Vision | VISION SERVICE PLAN | 103 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 59 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $12K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.