| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $6K | $29K | 0.56% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 13.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. 12TH FLOOR NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $271 | — | $271 | 0.17% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. 12TH FLOOR NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$3K | — | -$3K | -4.53% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 10380 NW 52ND ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 14.79% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $492 | $4K | 8.97% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS, INC. | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $956 | $2K | $3K | 5.29% |
| LISA M RUSSEY3 Filed as: LISA RUSSEY | 10380 NW 52ND ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $908 | $338 | $1K | 2.52% |
| JUAN DAVID FRANCO3 | 3406 DAVIE RD. DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | — | $655 | 1.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | — | $236 | 0.48% |
| AMY E COHEN3 Filed as: AMY COHEN | 19967 VILLA LANTE PL. BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.27% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS, INC. | 2791 LAWRENCE MILL RUN MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.14% |
| KYLE RUSSEY3 | 10380 NW 52ND ST. CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.14% |
| ROBERT HYLTON3 | 6287 GARRETT ST. JUPITER, FL 33458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS, INC. | 18214 102ND WAY S. BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| STEVEN P MOORE3 Filed as: STEVEN MOORE | 500 BEAR DR. GREENVILLE, SC 29605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. 6TH FLOOR SAN DIEGO, CA 92101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES, INC. | 9647 SUGAR PINES CT. DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. 12TH FLOOR NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$47 | — | -$47 | -0.29% |
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 | 522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $5.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $5.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 522 | $162K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 264 | $99K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 522 | $63K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 522 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.