| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $27K | $52K | 11.01% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $22K | $22K | 4.75% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGENCY | 100 N BROADWAY #900 ST LOUIS, MO 63102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 4.92% |
| RONALD T DREBERT3 | 2624 GREENACRE DRIVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.94% |
| LIN TAI-DREBERT3 | 2624 GREENACRE DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.92% |
| FMJ GROUP LLC3 | 9 SUNNYFIELD RD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.86% |
| JEREMY D CREWS3 | 11116 SOUTH TOWNE SQUARE SUITE 100 ST LOUIS, MO 63123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $583 | — | $583 | 0.30% |
| JOHN R. KOENIG3 | 12462 FIELDSTONE DR. FESTUS, MO 63028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $461 | — | $461 | 0.24% |
| DUSTIN T HARRIS3 | 915 COLORADO AVE GLENWOOD SPRINGS, CO 81601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | — | $439 | 0.23% |
| RICHARD E EAKIN3 | 141 BITTERSWEET DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $368 | — | $368 | 0.19% |
| MELODY B THOMPSON3 | 1206 MAIN AVE SOUTH BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $342 | — | $342 | 0.18% |
| BRYAN MURPHY3 Filed as: BRYAN J MURPHY | 2436 CRIPPLE CREEK DR SAINT LOUIS, MO 63129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | — | $303 | 0.16% |
| AARON C EVERLY3 | 1123 WILKES BLVD SUITE 330 COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | — | $291 | 0.15% |
| CRAIG E SMELIK3 | 1795 CLARKSON RD CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $287 | — | $287 | 0.15% |
| ANDREW J LOEWEN3 | 321 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.11% |
| KORY L ALBRECHT3 | 5 ANNA DRIVE ST CHARLES, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.10% |
| VALERIE M BURCH3 | 3742 CONWAY RD FARMINGTON, MO 63640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 0.07% |
| CATHERINE M AULBACH3 | 840 FOXSPRINGS DR. CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.06% |
| WENDY W BAXTER3 | 4650 ADA RD LIMA, OH 45801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.06% |
| MARY E NOSBUSH3 | PO BOX 14 GARY, SD 57237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 0.05% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.05% |
| VINCENT M MORELLI3 | 746 5TH ST LYNDHURST, NJ 07071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.05% |
| TRACY L HOSTLER3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.04% |
| CHRISTOPHER M ASHTON3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.04% |
| LACEY G MYRACLE3 | 107 E ELM ST PILOT KNOB, MO 63663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.03% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.03% |
| SHAWN MICHAEL HOSTLER3 Filed as: SHAWN M HOSTLER | 513 COPPER MOUNTAIN CIR BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.03% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| AWS INC3 Filed as: AWS, INC. | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| ANNA L HUNTER3 | 4128 WILLIS BLVD TOLEDO, OH 43623 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 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 | 9.97% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGENCY COMPANY | 100 N BROADWAY SUITE 900 ST LOUIS, MO 63102 | COMMUNITY INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 744 | 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) | 750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 791 | $35K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,085 | $70K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,065 | $470K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,065 | $665K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,065 | $470K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,065 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,085 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.