| 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 | $28K | — | $28K | 11.37% |
| VC BENEFITS LLC3 | 62 N MONTROSE LN SARATOGA SPRINGS, UT 84043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $8K | $16K | 6.54% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 2.47% |
| MARY DAUGHERTY3 | PO BOX 119 ROCKY TOP, TN 37769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $694 | $4K | 1.81% |
| ZACHAREE KEITH SIAHPUSH3 | 33 SE 71ST AVE PORTLAND, OR 97215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $142 | $3K | 1.03% |
| JOEL SAMANDARI LUCAS3 | 2129 S BELAIR DRIVE MOSES LAKE, WA 98837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $296 | $2K | 0.88% |
| KEITH HOWARD LEFEVRE3 | 8885 LADY MADONNA CIRCLE UNIT 306 HIGHLANDS RANCH, CO 80129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $377 | $2K | 0.86% |
| JARED COLBY3 | 1119 N 750 W OREM, UT 84057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | $1K | $2K | 0.69% |
| KIMBERLY MILLER3 | 9857 FALCON HURST DR SANDY, UT 84092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $406 | $529 | $935 | 0.38% |
| NICHOLAS J WOOG3 | 4837 42ND AVENUE SOUTH SEATTLE, WA 98118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $690 | $70 | $760 | 0.31% |
| RICH IN BENEFITS INC3 | 13109 NE 123RD ST APT P240 KIRKLAND, WA 98304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $534 | $99 | $633 | 0.26% |
| MARIA VERONICA JARQUE3 | 4744 N PAULINA ST APT 1E CHICAGO, IL 60640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $51 | $380 | 0.15% |
| SABRINA LEE ASAY3 | 5446 W WOODCROFT LANE HERRIMAN, UT 84096 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | $2 | $286 | 0.12% |
| CARLA STINER REEL3 | 12322 MALLARD BAY DR KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $11 | $86 | 0.03% |
| CARYL ESTES3 | 15907 ASH WAY UNIT C609 LYNNWOOD, WA 98087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.03% |
| JAY D CARLTON3 | 7518 W 3560 S MAGNA, UT 84044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.03% |
| STEPHANIE SHEPPA3 Filed as: STEPHANIE JO HANSEN | 20144 GINA MARIE LN BURLINGTON, WA 98233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.02% |
| JORDAN TEDESCO3 | 1412 6TH AVENUE NORTH SEATTLE, WA 98109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $1 | $48 | 0.02% |
| BENEFOUNDRY INC3 | 3013 LARGE HOP LN ANTIOCH, TN 37013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $21 | $46 | 0.02% |
| MELODY ANN OVERLAND3 | 7009 WEST MCMAHON WAY PEORIA, AZ 85345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.02% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| KALEB JORDAN FIELDS3 | 2301 W WHITE AVE APT 828 MCKINNEY, TX 75071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
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 | 279 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 279 | $246K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 279 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.