| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 4.99% |
| STEPHEN JOSEPH LAHOOD3 | 1783 KNOLL TERRACE LANE ST PETERS, MO 63376 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $5K | 43.42% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $947 | $140 | $1K | 8.94% |
| ALYSSA PETTIT3 | 11469 OLIVE BOULEVARD ST LOUIS, MO 63141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $487 | $108 | $595 | 4.89% |
| DALE E WASHBURN3 | 133 POINT SEVEN ROAD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | $53 | $435 | 3.58% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $42 | $193 | 1.59% |
| RENE ADRIAN RODRIGUEZ3 | 914 NORTH 73RD PLACE SCOTTSDALE, AZ 85257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $31 | $184 | 1.51% |
| LAURA A RHEIN3 | 101 SCHLUETER GERMAINE ROAD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $44 | $154 | 1.27% |
| JUSTIN DOUGLAS HUSHBECK3 | 1500 PLEASANT VALLEY ROAD JEFFERSON CITY, MO 65109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.78% |
| EDGHILL ENTERPRISES LLC3 | 3403 EAST SEEBLING MILE ROAD GRAND ISLAND, NE 68801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $10 | $78 | 0.64% |
| TGL ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $17 | $74 | 0.61% |
| ERIN CHARLOTTE LYNCH-CHERINGTON3 | 1620 FIELDSTONE DRIVE QUINCY, IL 62305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.57% |
| GABRIEL W HULSEY3 | 1500 PLEASANT VALLEY DRIVE JEFFERSON CITY, MO 65109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $51 | $65 | 0.53% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $7 | $17 | 0.14% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DRIVE ST LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $6 | $16 | 0.13% |
| SUSAN HENDRICKS3 | 6718 NORTH PALM CANYON DRIVE PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.11% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT MICHAEL ANASAGASTI | 5208 SOUTH GOLDLEAF PLACE CHANDLER, AZ 85249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.10% |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.07% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 12213 BIG BEND ROAD SAINT LOUIS, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $379 | — | $379 | 7.67% |
| DENNY & ASSOCIATES INC3 | 30 MEDALIST COURT ROTONDA WEST, FL 33947 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $116 | — | $116 | 2.35% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 12213 BIG BEND ROAD SAINT LOUIS, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $278 | — | $278 | 7.60% |
| DENNY & ASSOCIATES INC3 | 30 MEDALIST COURT ROTONDA WEST, FL 33947 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $88 | — | $88 | 2.41% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 12213 BIG BEND ROAD SAINT LOUIS, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $347 | — | $347 | 10.75% |
| DENNY & ASSOCIATES INC3 | 30 MEDALIST COURT ROTONDA WEST, FL 33947 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $137 | — | $137 | 4.24% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 12213 BIG BEND ROAD SAINT LOUIS, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $354 | — | $354 | 11.56% |
| DENNY & ASSOCIATES INC3 | 30 MEDALIST COURT ROTONDA WEST, FL 33947 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $105 | — | $105 | 3.43% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 69 | $313K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 69 | $313K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 69 | $313K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $3K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 157 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.