| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED INSURANCE SOLUTIONS3 Filed as: INTEGRATED INSURANCE SOLUTIONS INC | 3191 S VALLEY ST US SALT LAKE CITY, UT 84109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | — | $23K | 12.12% |
| VC BENEFITS LLC3 | 62 N MONTROSE LN US SARATOGA SPRINGS, UT 84043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 5.28% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE US OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 2.59% |
| MARY DAUGHERTY3 | PO BOX 119 US ROCKY TOP, TN 37769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 2.07% |
| ZACHAREE KEITH SIAHPUSH3 | 6727 MARTIN LUTHER KING JR WAY US SEATTLE, WA 98118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $227 | $3K | 1.45% |
| NICHOLAS J WOOG3 | 5510 SEWARD PARK AVENUE SOUTH US SEATTLE, WA 98118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $293 | $2K | 0.85% |
| JOEL SANDERS3 Filed as: JOEL SAMANDARI LUCAS | 2129 S BELAIR DRIVE US MOSES LAKE, WA 98837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $188 | $1K | 0.67% |
| KEITH LEPACK3 Filed as: KEITH HOWARD LEFEVRE | 8885 LADY MADONNA CIRCLE UNIT 306 US HIGHLANDS RANCH, CO 80129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $932 | $172 | $1K | 0.59% |
| JORDAN TEDESCO3 | 1412 6TH AVENUE NORTH US SEATTLE, WA 98109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $908 | $162 | $1K | 0.57% |
| RICH IN BENEFITS INC3 | 13109 NE 123RD ST APT P240 US KIRKLAND, WA 98304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $716 | $201 | $917 | 0.49% |
| MARIA VERONICA JARQUE3 | 4744 N PAULINA ST APT 1E US CHICAGO, IL 60640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | $70 | $497 | 0.27% |
| KALEB JORDAN FIELDS3 | 193 RIVERBEND DR DAYTON, TN 37321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $130 | $288 | 0.15% |
| CARYL ESTES3 | 15907 ASH WAY UNIT C609 US LYNNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $26 | $175 | 0.09% |
| DANIEL CORY3 | 4300 E 9TH AVE US DENVER, CO 80220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $113 | $166 | 0.09% |
| MELODY ANN OVERLAND3 | 7009 WEST MCMAHON WAY US PEORIA, AZ 85345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $3 | $84 | 0.05% |
| KENNIE SMITH3 | PO BOX 507 US CHENEYVILLE, LA 71325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.02% |
| WENDY DAWN PACK3 | 16109 WATT WAY US RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| LEAVE YOUR LEGACY LLC3 | 14701 MELCO AVE US PARKER, CO 80134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $16 | $24 | 0.01% |
| JM TAMER & CO3 | 6500 PAPERMILL DR STE 201 US KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $6 | $21 | 0.01% |
| BENEFOUNDRY INC3 | 3013 LARGE HOP LN US ANTIOCH, TN 37013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $2 | $18 | 0.01% |
| BRIAN FERNANDER3 | 4503 SEAHURST AVE US EVERETT, WA 98203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE US BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.00% |
| LISA LOUISE ROBBERSON3 | 13120 102ND LN NE 3 US KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 217 | $187K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 217 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
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.
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.