| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 12444 POWERSCOURT DRIVE SUITE 500 ST. LOUIS, MO 63131 | COVENTRY HEALTH CARE OF MISSOURI | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | 12444 POWERSCOURT DR. ST. LOUIS, MO 63131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $75 | $8K | 10.40% |
| CRISTINA JOHNSON3 | 7418 STREAM VALLEY CT. ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $57 | $2K | 2.97% |
| CROWN WEALTH MANAGEMENT INC3 Filed as: CROWN WALTH MANAGEMENT INC | 7418 STREAM VALLEY CT. ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $303 | $2K | 2.45% |
| HEATHER NICOLE DOUGLAS3 | 242 CHATEAUGAY LANE CHESTERFIELD, MO 63107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $675 | $0 | $675 | 0.83% |
| KELLEY KATHERINE WECKEL3 | 1749 INDIAN FORT RD. FT. SCOTT, KS 66701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | $1 | $343 | 0.42% |
| TIAH CASE3 | 20 RAINBOW TRAIL ARNOLD, MO 63010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $0 | $220 | 0.27% |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 4258 DELOR ST. ST. LOUIS, MO 63116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $14 | $176 | 0.22% |
| STEVEN JAMES HOLDREN3 | 1209 WASHINGTON AVE #402 ST. LOUIS, MO 63103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $0 | $167 | 0.20% |
| ELROY WITWER3 | 2216 WISMER AVE ST. LOUIS, MO 63114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $0 | $145 | 0.18% |
| MESHEL ANDRIA RIEDEL3 | 150 CARONDELET AVE CLAYTON, MO 63105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $25 | $36 | 0.04% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY RD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.02% |
| RICHARD C LANDMANN3 Filed as: RICHARD C. LANDMANN | 14823 CONWAY RD. CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| CHARLES BAINE3 | 534 GASCONY WAY ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES, INC. | 4904 EISENHOWER BLVD. SUITE 250 TAMPA, FL 33634 | ADVANTICA ADMINISTRATIVE SERVICES, INC. | $5K | $0 | $5K | 5.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL BENEFIT SERVICES, INC. | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | ADVANTICA ADMINISTRATIVE SERVICES, INC. | $928 | $0 | $928 | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 12444 POWERSCOURT SUITE 500 ST. LOUIS, MO 63131 | EYEMED VISION CARE | $2K | $0 | $2K | 8.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 12444 POWERSCOURT DR. ST. LOUIS, MO 63131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $13 | $2K | 10.19% |
| HEATHER NICOLE DOUGLAS3 | 242 CHATEAUGAY LANE CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $0 | $275 | 1.86% |
| CROWN WEALTH MANAGEMENT INC3 | 7418 STREAM VALLEY CT ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $34 | $260 | 1.76% |
| STEVEN JAMES HOLDREN3 | 1209 WASHINGTON AVE #402 ST. LOUIS, MO 63103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.31% |
| CRISTINA JOHNSON3 | 7418 STREAM VALLEY CT. ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $8 | $43 | 0.29% |
| JOHNNY L. JOHNSON3 Filed as: JOHNNY L JOHNSON | 1106 GRANDVIEW DR. KIRKWOOD, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.22% |
| MIKE TERRY3 | PO BOX 21729 LEXINTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.14% |
| LINDA MOELK TRUE3 | 9613 E SUNDUNE DR. SUN LAKES, AZ 85248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.09% |
| CHARLES BAINE3 | 534 GASCONY WAY ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| JOHN W NISWONGER3 | 525 COUNTY RD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| LISA D NISWONGER3 Filed as: LISA D. NISWONGER | 2711 THOMAS DR. CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MACLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR. #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $235 | $0 | $235 | 7.47% |
| PUFALT-PAULEY INSURANCE AGENCY3 | PO BOX 837 BELLEVILLE, IL 62222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44 | $0 | $44 | 1.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR. #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $314 | $0 | $314 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $109 | $0 | $109 | 14.97% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH CARE OF MISSOURI | 451 | $224K |
| Dental(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 342 | $160K |
| Vision | EYEMED VISION CARE | 319 | $20K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 260 | $18K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 156 | $96K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $3K |
| Stop-loss / reinsurancereinsurance | COVENTRY HEALTH CARE OF MISSOURI | 451 | $224K |
| Other(5 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 260 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.