| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THP INSURANCE COMPANY3 | 1110 MAIN STREET WHEELING, WV 26003 | THP INSURANCE COMPANY | — | $150K | $150K | 21.88% |
| BERKSHIRE HATHAWAY SPECIALTY INS3 | — | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | — | — | $0 | 0.00% |
| DELTA INSURANCE AGENCY3 Filed as: DELTA DENTAL OF ILLINOIS | — | DELTA DENTAL OF ILLINOIS | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $6K | $8K | 8.26% |
| JAMES D CROSE3 | PO BOX 761 DANVILLE, IL 61834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $641 | — | $641 | 2.72% |
| LISA G HAWKINS3 | 15137 BRADLEY LANE MARION, IL 62959 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 1.02% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.67% |
| SANFORD GARY GOLDBERG3 | 314 NORTH LORIMIER STREET CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.47% |
| LISA D NISWONGER3 | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.46% |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.17% |
| VOLUNTARY BENEFIT PLANS LLC3 | 5101 DUNEWOOD WAY AVON, IN 46123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.11% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE SAINT LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.08% |
| DAVID ALLEN GONCHER3 | 234 BROADWAY STREET APT 6 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| CAROLYN REZNICEK3 | 24290 BUCKHORN LANE CARLINVILLE, IL 62626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| ROGLE INC3 | 7460 LANTERN ROAD INDIANAPOLIS, IN 46256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 900 TERRE HAUTE, IN 47808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| KAMI L STANLEY3 | 3303 SOUTH 79TH STREET LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| UVETA MATTHEWS NEWCOMER3 | NA POPLAR BLUFF, MO 63901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| RICHARD C LANDMANN3 | 14823 CONWAY ROAD CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| PROTEC INSURANCE COMPANY3 | — | PROTEC INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THP INSURANCE COMPANY EIN 55-0765726 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1110 MAIN STREET WHEELING, WV 26003 | $150K |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THP INSURANCE COMPANY | 466 | $688K |
| Dental | DELTA DENTAL OF ILLINOIS | 177 | $110K |
| Vision | PROTEC INSURANCE COMPANY | 156 | $20K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 225 | $115K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 225 | $115K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 225 | $91K |
| Prescription drug | THP INSURANCE COMPANY | 466 | $688K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | THP INSURANCE COMPANY | 466 | $1.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 225 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.