| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | $103K | $0 | $103K | 4.34% |
| KRAUTER & COMPANY, LLC3 | UNKNOWN NEW YORK, NY 10001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | $15K | $0 | $15K | 0.63% |
| KRAUTER & COMPANY, LLC3 | 150 SPEAR STREET SUITE 800 SAN FRANCISCO, CA 94105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | $0 | $4K | $4K | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $0 | $16K | 12.78% |
| KRAUTER AND COMPANY, LLC3 Filed as: KRAUTER AND COMPANY | 150 SPEAR STREET SUITE 800 SAN FRANCISCO, CA 94105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 6.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY SUITE 400 DALLAS, TX 75240 | KAISER FOUNDATION HEALTH PLAN INC | $1K | $0 | $1K | 4.64% |
| KRAUTER AND COMPANY, LLC3 Filed as: KRAUTER AND COMPANY LLC | 1350 AVENUE OF THE AMERICAS 18TH FLOOR NEW YORK, NY 10019 | KAISER FOUNDATION HEALTH PLAN INC | $162 | $0 | $162 | 0.64% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $7 | $25 | 10.08% |
| 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 | $9 | $13 | $22 | 8.87% |
| KRATER AND COMPANY LLC3 | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 7.26% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 2.02% |
| AMH HOLDINGS LLC3 Filed as: AMH HOLDINGS LLC AND OTHER AGENTS | 520 FOLLY ROAD CHARLESTON, SC 29412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 2.02% |
| EB CONSULTING LLC3 Filed as: EB CONSULTING, LLC | 4870 NORTH RHETT AVENUE NORTH CHARLESTON, SC 29405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 1.61% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS, INC. | 700 EAST ATLANTIC BOULEVARD POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.81% |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 587 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 587 | $2.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 587 | $2.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $123K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $123K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $123K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 587 | $2.4M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 587 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.