| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VC BENEFITS LLC3 | 62 N MONTROSE LN SARATOGA SPRINGS, UT 84043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $13K | $23K | 15.12% |
| INTEGRATED INSURANCE SOLUTIONS3 Filed as: INTEGRATED INSURANCE SOLUTIONS INC. | 3191 S VALLEY ST SALT LAKE CITY, UT 84109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 12.61% |
| MEGAN ELIZABETH CASTO3 | HOME OFFICE COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 5.21% |
| ZZACHAREE KEITH SIAHPUSH3 | 4412 RENTON AVE S SEATTLE, WA 98108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $8K | 5.07% |
| RICH IN BENEFITS INC3 | 13109 NE 123RD ST KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $975 | $3K | 1.87% |
| KEITH LEPACK3 Filed as: KEITH HOWARD LEFEVRE | 8885 LADY MADONNA CIRCLE HIGHLANDS RANCH, CO 80129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $347 | $2K | 1.60% |
| MARIA VERONICA JARQUE3 | 2325 1/2 N ROCKWELL ST CHICAGO, IL 60647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $664 | $2K | 1.55% |
| JORDAN TEDESCO3 | 1412 6TH AVENUE NORTH SEATTLE, WA 98109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $175 | $2K | 1.54% |
| NICHOLAS J WOOG3 | 5510 SEWARD PARK AVENUE SOUTH SEATTLE, WA 98118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $218 | $2K | 1.09% |
| MARY DAUGHERTY3 | 7108 WEST CHERMONT CIRCLE KNOXVILLE, TN 37918 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $959 | $288 | $1K | 0.84% |
| CARYL ESTES3 | 15907 ASH WAY LYNNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $841 | $8 | $849 | 0.57% |
| MELODY ANN OVERLAND3 | 7009 WEST MCMAHON WAY PEORIA, AZ 85345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $691 | $64 | $755 | 0.51% |
| LEAVE YOUR LEGACY LLC3 | 14701 MELCO ACE PARKER, CO 80134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $121 | $199 | 0.13% |
| JOEL SANDERS3 Filed as: JOEL SAMANDARI LUCAS | 2129 S BELAIR DRIVE MOSES LAKE, WA 98837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $7 | $191 | 0.13% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.12% |
| KALEB JORDAN FIELDS3 | 193 RIVERBEND DR DAYTON, TN 37321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $119 | $133 | 0.09% |
| DANIEL CORY3 | 300 E 17TH AVE DENVER, CO 80203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $55 | $119 | 0.08% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $47 | $117 | 0.08% |
| KENNIE SMITH3 | 5410 HOMBERG DR KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $68 | $108 | 0.07% |
| JM TAMER & CO3 | 6500 PAPERMILL DR STE 201 KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $14 | $59 | 0.04% |
| BRIAN FERNANDER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $48 | $53 | 0.04% |
| LISA LOUISE ROBBERSON3 | 13120 102ND LN NE #3 KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $4 | $49 | 0.03% |
| NEENA W BEVERLY3 Filed as: NEENA BEVERLY | 1888 E 6400 S HOLLADAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 224 | $149K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 224 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.