| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN RUSSELL3 Filed as: SUSAN ELIZABETH RUSSELL | 340 SOMERSET DRIVE PASADENA, MD 21122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $633 | $9K | 10.26% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 4.42% |
| JENNIFER MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 3.69% |
| CRISTY PAYNE3 | 2458 VALLEY VIEW WAY ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $840 | $111 | $951 | 1.10% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 0.57% |
| ZACHARY EUGENE VICKERS3 | 24 S LOCUST ST MARIETTA, PA 17547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $1 | $379 | 0.44% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | — | $285 | 0.33% |
| JEREMY PARKS3 | 504 LITCHFIELD LN LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $176 | $285 | 0.33% |
| ROBERT JAY WEINER3 | 117 WEST 96TH ST NEW YORK, NY 10025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.16% |
| BARRETT L PATTERSON3 | 1522 DELLWOOD DRIVE RALEIGH, NC 27607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.07% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH ROAD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| EDUARDO TUCTO3 | 1574 56TH ST BROOKLYN, NY 11219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| PARKS BENEFITS & ENROLLMENT LLC3 | 504 LITCHFIELD LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PLACE DALLAS, TX 75227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| LISA A BALLANCE3 | 8058 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PHOENIX CAPTIVE SOLUTIONS LLC3 | 11600 N COMMUNITY HOUSE RD STE 200 CHARLOTTE, NC 28277 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ROCHELLE DIANE KELLY-PERRY THOMAS3 | 5 NORTH WESLEY COURT HUNTINGTON, NY 11743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CRISTY PAYNE3 | 2458 VALLEY VIEW WAY ELLICOTT CITY, MD 21043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $700 | — | $700 | 10.00% |
| SUSAN RUSSELL3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $700 | — | $700 | 10.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $233 | — | $233 | 3.33% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $86K |
| Vision | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $86K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 248 | $93K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $86K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.