| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 282103923 | SYMETRA LIFE INSURANCE COMPANY | — | $12K | $12K | 2.01% |
| THP INSURANCE COMPANY3 | 1110 MAIN STREET WHEELING, WV 26003 | THP INSURANCE COMPANY | — | $148K | $148K | 26.05% |
| DELTA INSURANCE AGENCY3 Filed as: DELTA DENTAL OF ILLINOIS | — | DELTA DENTAL OF ILLINOIS | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 7.41% |
| JAMES D CROSE3 | PO BOX 761 DANVILLE, IL 61834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.34% |
| LINDA L HAWKINS3 | 15137 BRADLEY LANE MARION, IL 62959 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | — | $366 | 1.22% |
| SANFORD GARY GOLDBERG3 | 6232 SNOWBIRD DR FRENCH VILLAGE, MO 63703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 1.14% |
| JOHN W NISWONGER3 | 525 COUNTY RD 233 CAP GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | — | $252 | 0.84% |
| LISA D NISWONGER3 | 2711 THOMAS DR CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 0.61% |
| JOSEPH NISWONGER3 | 787 VAIL DR JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.19% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.10% |
| CAROLYN REZNICEK3 | 24290 BUCKHORN LANE CARLINVILLE, IL 62626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.09% |
| DAVID ALLEN GONCHER3 | 234 BROADWAY CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| JO ANN PANTALONE3 Filed as: ANN M WEST | 1600 MIDAMERICA ST UNIT 1613 PERRYVILLE, MO 63775 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| UVETA MATTHEWS NEWCOMER3 | NA POPLAR BLUFF, MO 63901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| VOLUNTARY BENEFIT PLANS LLC3 | 5101 DUNEWOOD WAY AVON, IN 46123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| LAURA A RHEIN3 | 101 SCHLUETER GERMAINE RD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| KAMI L STANLEY3 | 4520 S 49TH STREET LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| RICHARD C LANDMANN3 | 14823 CONWAY RD CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ROGLE INC3 | 7460 LANTERN ROAD INDIANAPOLIS, IN 46256 | 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 | $148K |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THP INSURANCE COMPANY | 456 | $567K |
| Dental | DELTA DENTAL OF ILLINOIS | 161 | $89K |
| Vision | PROTEC INSURANCE COMPANY | 144 | $17K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $114K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $114K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $84K |
| Prescription drug | THP INSURANCE COMPANY | 456 | $567K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 456 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.