| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 3.73% |
| MOULTON AND HARDING INC3 Filed as: MOULTON LANE & HARDIN INC | 1408 W 3RD AVE ALBANY, GA 31702 | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3280 PEACHTREE ROAD NE SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 9.21% |
| JOHN WILSON3 | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.25% |
| LYNN WARDLAW3 | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $888 | $0 | $888 | 1.25% |
| ANGELA HUGHES3 | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $562 | $0 | $562 | 0.79% |
| JEREMY GEISLER INC3 Filed as: JEREMY GEISLER | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $524 | $0 | $524 | 0.74% |
| JACQUELINE G KINDERMAN3 Filed as: JACQUELINE KINDERMAN | 425 MAIN STREET BROOKVILLE, PA 15825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $417 | $0 | $417 | 0.59% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | $0 | $311 | 0.44% |
| MICHAEL B PETERS3 | 3385 SHOAL CREEK ROAD MONROE, GA 30656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $225 | $0 | $225 | 0.32% |
| SANDRA L SIEBERT3 | 6070 TANGLETREE DRIVE ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $225 | $0 | $225 | 0.32% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | $0 | $98 | 0.14% |
| LAURIE S WEBER3 | 2200 ANNISTON DRIVE WASHINGTON, MA 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | $0 | $87 | 0.12% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW | 187 CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 0.12% |
| MELISSA JONES AND ASSOCIATES LLC3 Filed as: MELISSA JONES AND ASSOCIATES | 103 PENNANT DRIVE WASHINGTON, MO 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | $0 | $75 | 0.11% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.09% |
| FLJ INC3 | 1600 HERITAGE LANDING STE 115 ST CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.08% |
| JEFFREY M SATTERLEE3 | 6565 AMERICAS PKWY SUITE 115 ALBUQUERQUE, NC 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.08% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.06% |
| VANDEEGRIFF INC3 | 1600 HERITAGE LANDING SUTIE 115 SAINT CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.04% |
| BRENDAN N DUSHA3 | 4155 SHENANDOAH AVE SAINT LOUIS, MO 63110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.03% |
| NATHAN L HARRISON3 | 16024 MANCHESTER ROAD ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.02% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 3406 KEENES EDGE COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| JOANNA D VIDAKIS3 | 9032 WHITEHAVEN DRIVE ST LOUIS, MO 63123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| JOHN A BACON3 | 11630 W 158TH TERRACE OAKLAND PARK, KS 66221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| JOHN MYERS3 | 16024 MANCHESTER RD ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 741738 ATLANTA, GA 30374 | EYEMED | $2K | $0 | $2K | 5.23% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN, INC. | 1408 W 3RD AVE ALBANY, GA 31707 | EYEMED | $1K | $0 | $1K | 4.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS RELATED SERVICES | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing; Non-monetary compensation; Named fiduciary; Float revenue Service code 12 | — | $169K |
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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 377 | $424K |
| Vision | EYEMED | 434 | $30K |
| Life insurance | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 377 | $424K |
| Short-term disability | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 377 | $424K |
| Long-term disability | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 377 | $424K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE | 322 | $424K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 377 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.