| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY COMPANY | 100 NORTH BROADWAY, SUITE 900 SAINT LOUIS, MO 63102 | PRINCIPAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 12.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.10% |
| GAIL D GOODEN CORP3 Filed as: GAIL D. GOODEN CORPORATION | 60 SPRING TRAIL COURT SAINT CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $27 | $113 | 1.96% |
| SUSAN MARIE WEITKAMP3 | 5051 JOSHUA DRIVE WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $31 | $62 | 1.08% |
| MJ INSURANCE3 Filed as: UZIEL RIVERA AND VARIOUS AGENTS | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $1 | $41 | 0.71% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $6 | $28 | 0.49% |
| JASON BRINK3 Filed as: JASON JAMES BRINK | 1931 LAKEHURST DRIVE SAINT LOUIS, MO 63146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.33% |
| KORY L ALBRECHT3 Filed as: KORY LANE ALBRECHT | 5 ANNA DRIVE SAINT CHARLES, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.28% |
| MARTHA ANGELICA HILL ESTRADA3 | 2991 ESCALA CIRCLE SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.17% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $265K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $265K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $265K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $265K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $265K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $2.1M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.