| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAUTER AND COMPANY, LLC3 | UNKNOWN MILPITAS, CA 95035 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $132K | $25K | $157K | 5.60% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY | 150 SPEAR STREET, SUITE 800 SAN FRANCISCO, CA 94105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| KRAUTER AND COMPANY, LLC3 Filed as: KRAUTER AND COMPANY, INC | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $41 | $120 | 30.30% |
| PALMETTO BENEFIT SOLUTIONS LLC3 Filed as: PALMETTO BENEFIT SOLUTIONS, LLC | 735 COLEMAN BOULEVARD APARTMENT 313 MOUNT PLEASANT, SC 29464 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $72 | $102 | 25.76% |
| TIMOTHY J REED3 Filed as: TIMOTHY REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $17 | $84 | 21.21% |
| ADV BENEFIT SYS INC & OTHER AGENTS3 Filed as: ADV. BENEFIT SYSTEM & OTHER AGENTS | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $15 | $33 | 8.33% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS, INC | 700 EAST ATLANTIC BOULEVARD POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $14 | $24 | 6.06% |
| EB CONSULTING LLC3 Filed as: EB CONSULTING, LLC | 4870 NORTH RHETT AVENUE NORTH CHARLESTON, SC 29405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $14 | $24 | 6.06% |
| AMH HOLDINGS LLC3 Filed as: AMH HOLDINGS, LLC | 520 FOLLY ROAD CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $15 | $20 | 5.05% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 673 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 673 | $2.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 673 | $2.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 430 | $96K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 430 | $96K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 430 | $96K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 673 | $2.8M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 673 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.