| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LOWERY GROUP3 | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | DEARBORN LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| BAUGHMAN GROUP3 | PO BOX 1115 O FALLON, IL 62269 | DEARBORN LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| THE LOWERY GROUP5 | 445 SALEM PL FAIRVIEW HEIGHTS, IL 622081326 | VISION SERVICE PLAN | $791 | — | $791 | 7.09% |
| THE LOWERY GROUP7 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $742 | $0 | $742 | 8.91% |
| ALEXANDER COVE ALVARADO3 | 7 STONE DRIVE HIGHLAND, IL 62249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | $41 | $465 | 5.58% |
| AMY MARIE RENNER3 | 217 DEANE CT SAINT LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $1 | $101 | 1.21% |
| CANDACE OSBORNE3 | 614 FALL ST EAST SAINT LOUIS, IL 62206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.17% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.16% |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 5631 CHALET FOREST DRIVE ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.11% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.10% |
| ROGERS BENEFIT GROUP INC3 Filed as: TORI ROGERS | 311 SWEETWATER LN O FALLON, IL 62269 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 78 | $11K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 112 | $94K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 112 | $94K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 112 | $94K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 112 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.