| 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 | $11K | $36K | 7.78% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $21K | $21K | 4.65% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGENCY | 100 N BROADWAY #900 ST LOUIS, MO 63102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.18% |
| FMJ GROUP LLC3 | 9 SUNNYFIELD RD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.62% |
| LIN TAI-DREBERT3 | 2624 GREENACRE DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $895 | — | $895 | 0.53% |
| RONALD T DREBERT3 | 2624 GREENACRE DRIVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $539 | — | $539 | 0.32% |
| FRANK I SCHELLINGERHOUT3 | 9 SUNNYFIELD RD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $498 | — | $498 | 0.30% |
| DUSTIN T HARRIS3 | 915 COLORADO AVE GLENWOOD SPRINGS, CO 81601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $289 | — | $289 | 0.17% |
| MELODY B THOMPSON3 | 1206 MAIN AVE SOUTH BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | — | $221 | 0.13% |
| AARON C EVERLY3 | 1123 WILKES BLVD SUITE 330 COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 0.11% |
| ANDREW J LOEWEN3 | 321 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.07% |
| KORY L ALBRECHT3 | 5 ANNA DRIVE ST CHARLES, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.07% |
| RICHARD E EAKIN3 | 141 BITTERSWEET DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.06% |
| BRYAN MURPHY3 Filed as: BRYAN J MURPHY | 2436 CRIPPLE CREEK DR SAINT LOUIS, MO 63129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.06% |
| VALERIE M BURCH3 | 4118 HIGHWAY BB BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.06% |
| KEVIN J DICKHERBER3 | 3500 S SCOTT BLVD STE 2B COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.06% |
| MARY E NOSBUSH3 | PO BOX 14 GARY, SD 57237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.05% |
| JEREMY D CREWS3 | 11116 SOUTH TOWNE SQUARE SUITE 100 ST LOUIS, MO 63123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.05% |
| CRAIG E SMELIK3 | 1795 CLARKSON RD CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.05% |
| WENDY W BAXTER3 | 4650 ADA RD LIMA, OH 45801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.04% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.04% |
| VINCENT M MORELLI3 | 746 5TH ST LYNDHURST, NJ 07071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.04% |
| CHAD M POSTON3 | 2101 WEST BROADWAY STE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.03% |
| TRACY L HOSTLER3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| LACEY G MYRACLE3 | 107 E ELM ST PILOT KNOB, MO 63663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.02% |
| SHAWN MICHAEL HOSTLER3 Filed as: SHAWN M HOSTLER | 513 COPPER MOUNTAIN CIR BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.02% |
| CHRISTOPHER M ASHTON3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.02% |
| ANNA L HUNTER3 | 4128 WILLIS BLVD TOLEDO, OH 43623 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.02% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| JOHN R. KOENIG3 | 12462 FIELDSTONE DR. FESTUS, MO 63028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| CATHERINE M AULBACH3 | 840 FOXSPRINGS DR. CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| AWS INC3 Filed as: AWS, INC. | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| 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 | 10.89% |
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 | 698 | 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) | 701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 1,150 | $624K |
| Dental | COMMUNITY INSURANCE COMPANY | 1,150 | $624K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,019 | $65K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,004 | $462K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,004 | $630K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,004 | $462K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 1,150 | $624K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,004 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,150 | — |
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.