| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORANCO INC DBA MORAN BENEFIT ADVIS3 | 9631 NORTH NEVADA STREET SUITE 309 SPOKANE, WA 99218 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 12.10% |
| MORAN BENEFIT ADVISORS INC3 Filed as: MORAN BENEFIT ADVISORS | 9631 NORTH NEVADA STREET SPOKANE, WA 99218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.71% |
| ACRISURE LLC3 | 51 MELROSE AVENUE SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $540 | $3K | 6.57% |
| THE MURRAY GROUP3 Filed as: THE MURRAY GROUP INC | 51 MELROSE AVENUE SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | $328 | $1K | 2.46% |
| WORKSITE BENEFITS GROUP INC3 | 112 NORTHWEST 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $480 | $461 | $941 | 2.20% |
| BENEFITS BY DESIGN INC3 | 2101 NORTHEAST 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $587 | $137 | $724 | 1.69% |
| GABRIEL ANGEL CANALS3 | 1329 NORTHEAST 236TH AVENUE WOOD VILLAGE, OH 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $181 | $335 | 0.78% |
| JCASTELLANOS AND ASSOCIATES INC3 | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.04% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 307 | $109K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 307 | $109K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 307 | $109K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE OF COLUMBIA, SC | 202 | $201K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 307 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.