| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $1K | $1K | 0.05% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP LLC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $31K | — | $31K | 3.00% |
| ELIZABETH FULTON3 | PO BOX 1047 GLENWOOD SPRINGS, CO 81602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 5.41% |
| CENTURY INSURANCE GROUP LLC3 | 815 SW BOND STREET, STE 130 BEND, OR 97702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $707 | $565 | $1K | 1.04% |
| GINA WESOLEK3 | 114 LAKEWOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $952 | $174 | $1K | 0.92% |
| SCOTT GERALD BEILFUSS3 | 422 1/2 PROSPECTORS POINT GRAND JUNCTION, CO 81507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $507 | $271 | $778 | 0.63% |
| DANSANA CORP3 | PO BOX 17138 PLANTATION, FL 33318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $681 | $16 | $697 | 0.57% |
| SUSIE A ESTRADA3 Filed as: SUSIE ESTRADA | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $506 | $165 | $671 | 0.55% |
| FREDRICK D BRADFORD3 Filed as: FREDRICK BRADFORD | 16057 OAKLEY RD. RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $663 | — | $663 | 0.54% |
| THOMAS E KIENZLER3 Filed as: THOMAS KIENZLER | 359 WASHINGTON ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | $8 | $663 | 0.54% |
| JOHN KEVIN CORNETT3 | 2069 NW PINOT CT BEND, OR 97701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | $372 | $606 | 0.49% |
| RAY MCMARTIN3 | 8045 TABLE MESA WAY COLORADO SPRINGS, CO 80919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $457 | — | $457 | 0.37% |
| OMAR MENDOZA3 | 26326 ROCKWALL PARKWAY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | $109 | $353 | 0.29% |
| DONALD GOTHAM3 | 4009 NORTH 9TH STREET TACOMA, WA 98406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $282 | $3 | $285 | 0.23% |
| RITA S. ORNELLAS3 Filed as: RITA ORNELLAS | 95-1023 HOAILONA STREET MILILANI, HI 96789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $29 | $277 | 0.23% |
| ZUNILDA CONFORTE PA3 | PO BOX 7365 HALLENDALE, FL 33008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $3 | $262 | 0.21% |
| CARME SUZE BRUN3 | 4230 CORAL SPRINGS DRIVE CORAL SPRINGS, FL 33065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | — | $244 | 0.20% |
| BILLY MARK ROBERSON3 Filed as: BILLY ROBERSON | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $61 | $219 | 0.18% |
| MATTHEW JONATHAN JASPER3 | 4550 E ELMWOOD ST MESA, AZ 85205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $1 | $216 | 0.18% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.14% |
| DEBORAH ANN BERRY3 | 1042 E 9TH PLACE MESA, AZ 85203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $1 | $156 | 0.13% |
| TROY J PALMER3 Filed as: TROY PALMER | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $41 | $155 | 0.13% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $93 | $136 | 0.11% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN RD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $37 | $120 | 0.10% |
| MARIA KADALA3 | 1830 N UNIVERSITY DRIVE PLANTATION, FL 33318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.09% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN RD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $17 | $109 | 0.09% |
| JERRY A MAESTAS3 Filed as: JERRY MAESTAS | CR 22 PARMER LANE #9 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.09% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $58 | $87 | 0.07% |
| RONNIE BORAKS INSURANCE SOLUTIONS I3 Filed as: RONNIE BORAKS INSURANCE SOLUTIONS | 10695 SAN BERNADINO WAY BOCA RATON, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.06% |
| MICHAEL ANTHONY DURRE3 | 2191 NE KIM LN BEND, OR 97701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $23 | $77 | 0.06% |
| JAMES D THRESHER3 | 758 NE MARSHALL AVE BEND, OR 97701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $35 | $77 | 0.06% |
| MAXIMUM BENEFIT SOLUTIONS LLC3 Filed as: MAXIMUM BENEFIT SOLUTIONS | 139 GRANITE PEAK DRIVE BOZEMAN, MT 59718 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $30 | $70 | 0.06% |
| TOM GILLIGAN3 | 12 SPEEN STREET NATICK, MA 01760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.05% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DRIVE SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $24 | $51 | 0.04% |
| KRISTEN ELISE RANDALL3 Filed as: KRISTEN RANDALL | 9538 WEST SAN JUAN CIRCLE LITTLETON, CO 80128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.04% |
| MARY ESTHER TAYLOR3 | 1126 GATEWAY LOOP SPRINGFIELD, OR 97477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.04% |
| GARY NABORS3 | 4302 HOLLYWOOD BLVD. HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $24 | $43 | 0.04% |
| AMY E COHEN3 Filed as: AMY COHEN | 1300 VIA LUGANO CIRCLE BOYNTON BEACH, FL 33436 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| KEVIN MICHAEL OGRADY3 | 6241 S. GARLAND ST LITTLETON, CO 80123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| DAVID L FLEURY3 Filed as: DAVID FLEURY | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $20 | $38 | 0.03% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.03% |
| JASON SNIDER3 | 758 NE MARSHALL AVE BEND, OR 97701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $15 | $36 | 0.03% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $16 | $35 | 0.03% |
| RONALD EUGENE FENT3 | 17000 WEDGE PARKWAY RENO, NV 89511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.03% |
| BELLE NATIONAL BENEFITS LLC3 | 9655 WAUKEGAN AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $10 | $33 | 0.03% |
| ROBERT P BARBATI3 Filed as: ROBERT BARBATI | 1078 N SHADOW DRIVE MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| PHYLLIS DUNN3 | 98 CONNECTICUT BLVD. EAST HARTFORD, CT 06108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $10 | $26 | 0.02% |
| KYLE RUSSEY3 | 6921 E WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $14 | $22 | 0.02% |
| CHRISTINE L GO, INC.3 Filed as: CHRISTINE GO | 7219 PUUEHU PL HONOLULU, HI 96825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $2 | $20 | 0.02% |
| ROXANA BUSCHMAN3 | 400 NE 149TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN RODERICK | 3104 MCALLISTER ST DUPONT, WA 98327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $8 | $18 | 0.01% |
| KARLA DECRESCENZO3 | PO BOX 977 VERDI, NV 89439 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| INNOVATIVE PARTNERS LLC3 | INNOVATIVE PARTNERS MIDDLETOWN, CT 06457 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.01% |
| BRIAN MADTES3 | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $4 | $12 | 0.01% |
| NIKKI PECORINO3 | 1650 HANOVER DRIVE RENO, NV 89523 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| RANDY DAHL3 | 707 S GRADY WAY RENTON W, WA 98057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| EVELYN GARCIA3 | 1562 1ST AVENUE NEW YORK, NY 10028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| CONNIE SIGNE FENT3 | 17000 WEDGE PARKWAY, SUITE 2221 RENO, NV 89511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.01% |
| KELLY MELISSA RUSHING3 Filed as: KELLY KRISCH | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.01% |
| R & B ENROLLMENT SERVICES INC3 | PO BOX 3216 CREST LINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| THE HICKS HIGUCHI CORP.3 | C/O HICKS PENSION SERVICES HONOLULU, HI 96816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| WILLIAM BUCKNER3 Filed as: WILLIAM MILLER | 2908 OTRANTO ROAD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| EUGENE BOWEN JR.3 | 3100 MILL STREET RENO, NV 89502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| GLADYS GONZALEZ3 | 2560-1 E ARAGON BLVD. SUNRISE, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| BRIAN COHEN3 | 701 LEORA LANE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| CAPITAL DISTRICT3 Filed as: CAPITAL DISTRICT INC | 224 PUDDIN LANE MANSFIELD, CT 06250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| CHAD L FRAZIER3 Filed as: CHAD FRAZIER | 1151 SOUZA WAY FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MARDEIO CANNON3 | 5027 DYNASTY WAY SACRAMENTO, CA 95835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MARGARET BRYANT3 | 18014 SW BELMORE AVE. LAKE OSWEGO O, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| STEVE G MONTOYA3 Filed as: STEVE MONTOYA | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| T & R BENEFIT CONSULTANTS3 | PO BOX 292 RIMFOREST, CA 92378 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| CHAUNDRA F MILES-WALKER3 Filed as: CHAUNDRA F. MILES-WALKER | 11415 NEWGATE CREST DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JOHN C KIRK3 Filed as: JOHN KIRK | 18817 MCKAYS BEACH ROAD LEONARDTOWN, MD 20650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| KRISTINE BROBST3 | 2013 EAST FRIESS DRIVE PHOENIX, AZ 85022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WARREN LEE RUND3 | 1151 SOUZA WAY FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ALLAN VISSER3 | 3709 HIGH POINT ROAD WINSTON-SALEM, NC 27107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DAVID MCLEOD3 | 1207 SOUTH 4 MERKEL, TX 79536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOSEPH QUINTANA3 | 27 N COUNTRY CLUB DR. PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PAUL STANLEY JR3 Filed as: PAUL STANELY JR. | 880 JOHNNY DODD BLVD. MT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| VALERIE MITCHUM-WILLIAMS3 | 5812 D EDGEPARK ROAD BALTIMORE, MD 21239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ERIK HILLIER3 | PO BOX 2014 LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| RITA J ROBINSON3 | 21780 WILLAMETTE DRIVE WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAMON RAY OGIER3 | 1126 GATEWAY LOOP SPRINGFIELD, OR 97477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ELIZABETH J DOWNEY3 Filed as: ELIZABETH DOWNEY | 6113 NORTH CUMBERLAND RD MUNCIE, IN 47304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JUDY INEZ BUCHOLTZ3 Filed as: JUDY BUCHOLTZ | 12517-217TH AVE. CT. E BONNEY LAKE, WA 98391 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THOMAS TAYLOR3 | 1126 GATEWAY LOOP SPRINGFIELD, OR 97477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ZINA OSTER3 | 3153 FOREST DRIVE CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP CORP. | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN A. BRADLEY INC.3 Filed as: JOHN BRADLEY INC | 207 SOUTH MAIN ST. FOUNTAIN INN, SC 29644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PACIFIC BAY INSURANCE GROUP INC3 | 18301 VON KARMAN AVE IRVINE, CA 92612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SCOTT CASTEEL3 | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 4,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 6,522 | $3.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 3,864 | $2.9M |
| Vision | VISION SERVICE PLAN | 4,289 | $266K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,140 | $1.0M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,140 | $1.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,140 | $1.0M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,140 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,522 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.