| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY | 100 NORTH BROADWAY SUITE 900 SAINT LOUIS, MO 63102 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $200 | $200 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $2 | $133 | 5.56% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 4.01% |
| RICHARD C LANDMANN3 | 14823 CONWAY ROAD CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 1.59% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $1 | $19 | 0.79% |
| USI INSURANCE SERVICES LLC3 | 308 NORTH 21ST STREET ST. LOUIS, MO 63103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.46% |
| LISA D NISWONGER3 | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.29% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 16091 SWINGLEY RIDGE ROAD CHESTERFIELD, MO 63005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.25% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.13% |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 718 | $3.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $367K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $367K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $367K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 321 | $62K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.