| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD C LANDMANN3 Filed as: RICHARD LANDMANN | 16938 RIVERDALE DRIVE CHESTERFIELD, MO 63005 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $918 | — | $918 | 3.49% |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 4258 DELOR ST ST LOUIS, MO 63116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $769 | $32 | $801 | 3.05% |
| SCHELLER INSURANCE AGENCY, INC3 | PO BOX 260 MOUNT OLIVE, IL 62069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $508 | — | $508 | 1.93% |
| CROWN WEALTH MANAGEMENT INC3 Filed as: CROWN WEALTH MANAGEMENT, INC. | 11163 SOUTH TOWNE SQUARE ST LOUIS, MO 63123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $25 | $83 | 0.32% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $9 | $57 | 0.22% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 132 | $31K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 28 | $26K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 132 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.