| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 282103293 | SYMETRA LIFE INSURANCE COMPANY | — | $22K | $22K | 1.62% |
| THP INSURANCE COMPANY3 | 1110 MAIN STREET WHEELING, WV 26003 | THP INSURANCE COMPANY | — | $154K | $154K | 22.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $246 | $6K | $7K | 7.66% |
| JAMES D CROSE3 | PO BOX 761 DANVILLE, IL 61834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $711 | — | $711 | 2.92% |
| VOLUNTARY BENEFIT PLANS LLC3 | 5101 DUNEWOOD WAY AVON, IN 46123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | — | $410 | 1.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 900 TERRE HAUTE, IN 47808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $1 | $276 | 1.13% |
| LINDA L HAWKINS3 | 15137 BRADLEY LANE MARION, IL 62959 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | — | $266 | 1.09% |
| SANFORD GARY GOLDBERG3 | 314 N LORIMIER CAPE GIRARDEAU, MO 63071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | — | $236 | 0.97% |
| JOHN W NISWONGER3 | 525 COUNTY RD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.73% |
| LISA D NISWONGER3 | 2711 THOMAS DR CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.51% |
| ROGLE INC3 | 7460 LANTERN ROAD INDIANAPOLIS, IN 46256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $58 | $113 | 0.46% |
| KAMI L STANLEY3 | 3303 S 79TH ST LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $49 | $98 | 0.40% |
| JOSEPH NISWONGER3 | 787 VAIL DR JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.18% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.09% |
| DAVID ALLEN GONCHER3 | 234 BROADWAY CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.09% |
| CAROLYN REZNICEK3 | 24290 BUCKHORN LANE CARLINVILLE, IL 62626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.07% |
| UVETA MATTHEWS NEWCOMER3 | NA POPLAR BLUFF, MO 63901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| RICHARD C LANDMANN3 | 14823 CONWAY RD CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| PROTEC INSURANCE COMPANY3 | — | PROTEC INSURANCE COMPANY | — | — | $0 | 0.00% |
| DELTA INSURANCE AGENCY3 Filed as: DELTA DENTAL OF ILLINOIS | — | DELTA DENTAL OF ILLINOIS | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THP INSURANCE COMPANY EIN 55-0765726 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1110 MAIN STREET WHEELING, WV 26003 | $154K |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THP INSURANCE COMPANY | 479 | $689K |
| Dental | DELTA DENTAL OF ILLINOIS | 174 | $0 |
| Vision | PROTEC INSURANCE COMPANY | 153 | $20K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $110K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $110K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $85K |
| Prescription drug | THP INSURANCE COMPANY | 479 | $689K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 479 | $2.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.