| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED INSURANCE SOLUTIONS3 Filed as: INTEGRATED INSURANCE SOLUTIONS INC | 3191 S VALLEY ST SALT LAKE CITY, UT 84109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37K | — | $37K | 11.54% |
| VC BENEFITS LLC3 | 62 N MONTROSE LN SARATOGA SPRINGS, UT 84043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $6K | $16K | 5.05% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $7K | 2.30% |
| JOEL SANDERS3 Filed as: JOEL SAMANDARI LUCAS | 2129 S BELAIR DRIVE MOSES LAKE, WA 98837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 2.25% |
| ZACHAREE KEITH SIAHPUSH3 | 33 SE 71ST AVE PORTLAND, OR 97215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $622 | $5K | 1.45% |
| KEITH LEPACK3 Filed as: KEITH HOWARD LEFEVRE | 8885 LADY MADONNA CIRCLE UNIT 306 HIGHLANDS RANCH, CO 80129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $384 | $2K | 0.64% |
| MARY DAUGHERTY3 | PO BOX 119 ROCKY TOP, TN 37769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $74 | $2K | 0.59% |
| CARLA STINER REEL3 | 12322 MALLARD BAY DR KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $534 | $104 | $638 | 0.20% |
| JARED COLBY3 | 1119 N 750 W OREM, UT 84057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $485 | $19 | $504 | 0.16% |
| KIMBERLY MILLER3 | 9857 FALCON HURST DR SANDY, UT 84092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $368 | $71 | $439 | 0.14% |
| MARIA VERONICA JARQUE3 | 542 HOSMER ST EL CAJON, CA 92020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | $28 | $435 | 0.14% |
| RICH IN BENEFITS INC3 | 13109 NE 123RD ST APT P240 KIRKLAND, WA 98304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | $68 | $381 | 0.12% |
| JAY D CARLTON3 | 7518 W 3560 S MAGNA, UT 84044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | — | $289 | 0.09% |
| HYRUM DAVID DANISE3 | 8792 N CLUBHOUSE LN EAGLE MOUNTAIN, UT 84005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $192 | $233 | 0.07% |
| PCF INSURANCE SERVICES OF THE WEST3 | PO BOX 933 BOUNTIFUL, UT 84011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.06% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $26 | $142 | 0.04% |
| BEN ADMIN SYSTEMS AND SOLUTIONS3 | 8320 DEER SPRINGS WAY LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $54 | $95 | 0.03% |
| LISA LOUISE ROBBERSON3 | 13120 102ND LN NE APT 3 KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $8 | $82 | 0.03% |
| ELENA CARRILLO3 | 8320 DEER SPRINGS WAY LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $32 | $66 | 0.02% |
| SANDRA STOKELY3 | 4650 RANCH HOUSE RD UNIT 107 NORTH LAS VEGAS, NV 89031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $3 | $61 | 0.02% |
| CARYL ESTES3 | 15907 ASH WAY UNIT C609 LYNNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.02% |
| SABRINA LEE ASAY3 | 5446 W WOODCROFT LANE HERRIMAN, UT 84096 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.02% |
| WILLIAM ELLIOTT BRUNINI3 | 1593 E GREGSON AVE MILLCREEK, UT 84106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $24 | $26 | 0.01% |
| NICHOLAS J WOOG3 | 4837 42ND AVENUE SOUTH SEATTLE, WA 98118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| DANIEL TODD MOORE3 | 8792 N CLUBHOUSE LN EAGLE MOUNTAIN, UT 84005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | 0.00% |
| STEPHANIE SHEPPA3 Filed as: STEPHANIE JO HANSEN | 20144 GINA MARIE LN BURLINGTON, WA 98233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MELODY ANN OVERLAND3 | 7009 WEST MCMAHON WAY PEORIA, AZ 85345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $1 | $6 | 6.19% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 2.06% |
| VC BENEFITS LLC3 | 62 N MONTROSE LN SARATOGA SPRINGS, UT 84043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 1.03% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 328 | $318K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 328 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.