| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.14% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | UNION SECURITY INSURANCE COMPANY | $15K | — | $15K | 6.12% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY CO. | 100 N. BROADWAY, SUITE 900 ST. LOUIS, MO 63102 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 3.88% |
| TEDRICK EMPLOYEE BENEFITS INC3 Filed as: TEDRICK EMPLOYEE BENEFITS INC. | P.O. BOX 983 MOUNT VERNON, IL 62864 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.20% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 7.72% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY | 100 N. BROADWAY, SUITE 900 ST. LOUIS, MO 63102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.72% |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 5631 CHALET FOREST DRIVE ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $78 | $2K | 9.45% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $777 | $48 | $825 | 4.15% |
| RICHARD C LANDMANN3 Filed as: RICHARD C. LANDMANN | 14823 CONWAY ROAD CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | — | $727 | 3.66% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTRY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | $73 | $422 | 2.13% |
| USI INSURANCE SERVICES LLC3 | 308 N. 21ST STREET ST. LOUIS, MO 63103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | — | $220 | 1.11% |
| LISA D NISWONGER3 Filed as: LISA D. NISWONGER | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $30 | $147 | 0.74% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 16091 SWINGLEY RIDGE ROAD CHESTERFIELD, MO 63005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.64% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.36% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 506 | $3.6M |
| Dental | UNION SECURITY INSURANCE COMPANY | 249 | $240K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $109K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $128K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 38 | $20K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $83K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.