| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGENCY COMPANY | 100 N BROADWAY SUITE 900 ST LOUIS, MO 63102 | COMMUNITY INSURANCE COMPANY | $10K | — | $10K | 1.86% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N BROADWAY SUITE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $11K | $36K | 7.66% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $24K | $24K | 5.03% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGENCY | 100 N BROADWAY #900 ST LOUIS, MO 63102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 8.86% |
| RONALD T DREBERT3 | 2624 GREENACRE DRIVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.33% |
| LIN TAI-DREBERT3 | 2624 GREENACRE DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.56% |
| JEREMY D CREWS3 | 11116 SOUTH TOWNE SQUARE SUITE 100 ST LOUIS, MO 63123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.69% |
| MELODY B THOMPSON3 | 1206 MAIN AVE SOUTH BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.52% |
| RICHARD E EAKIN3 | 141 BITTERSWEET DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $944 | — | $944 | 0.43% |
| MARY E NOSBUSH3 | PO BOX 14 GARY, SD 57237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $835 | — | $835 | 0.38% |
| JOHN R. KOENIG3 | 12462 FIELDSTONE DR. FESTUS, MO 63028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $646 | — | $646 | 0.29% |
| BRYAN MURPHY3 Filed as: BRYAN J MURPHY | 2436 CRIPPLE CREEK DR SAINT LOUIS, MO 63129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $617 | — | $617 | 0.28% |
| KORY L ALBRECHT3 | 5 ANNA DRIVE ST CHARLES, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $589 | — | $589 | 0.27% |
| VALERIE M BURCH3 | 3742 CONWAY RD FARMINGTON, MO 63640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $552 | — | $552 | 0.25% |
| ANDREW J LOEWEN3 | 321 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $481 | — | $481 | 0.22% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $421 | — | $421 | 0.19% |
| CRAIG E SMELIK3 | 1795 CLARKSON RD CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $414 | — | $414 | 0.19% |
| WENDY W BAXTER3 | 4650 ADA RD LIMA, OH 45801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | — | $323 | 0.15% |
| VINCENT M MORELLI3 | 746 5TH ST LYNDHURST, NJ 07071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $301 | — | $301 | 0.14% |
| CHRISTOPHER M ASHTON3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 0.09% |
| TRACY L HOSTLER3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | — | $182 | 0.08% |
| LACEY G MYRACLE3 | 107 E ELM ST PILOT KNOB, MO 63663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 0.08% |
| CATHERINE M AULBACH3 | 840 FOXSPRINGS DR. CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | — | $170 | 0.08% |
| SHAWN MICHAEL HOSTLER3 Filed as: SHAWN M HOSTLER | 513 COPPER MOUNTAIN CIR BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.06% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.06% |
| AWS INC3 Filed as: AWS, INC. | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.06% |
| ANNA L HUNTER3 | 4128 WILLIS BLVD TOLEDO, OH 43623 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 0.05% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 0.05% |
| AARON C EVERLY3 | 1123 WILKES BLVD SUITE 330 COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.02% |
| ETHEL EBLEN3 | 330 BELLEZZA DR BALLWIN, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.01% |
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 | 768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 800 | $540K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,045 | $70K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,087 | $472K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,087 | $691K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,087 | $472K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,087 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,087 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.