| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N BROADWAY STE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 5.32% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N BROADWAY STE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $25K | $25K | 4.98% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $17K | $17K | 3.51% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGENCY | 100 N BROADWAY #900 ST LOUIS, MO 63102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.33% |
| FRANK I SCHELLINGERHOUT3 | 9 SUNNYFIELD RD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.50% |
| LIN TAI-DREBERT3 | 2624 GREENACRE DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $493 | — | $493 | 0.50% |
| RONALD T DREBERT3 | 2624 GREENACRE DRIVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $465 | — | $465 | 0.47% |
| KEVIN J DICKHERBER3 | 3500 S SCOTT BLVD STE 2B COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | — | $295 | 0.30% |
| CHAD M POSTON3 | 14915 LARRY LN HALLSVILLE, MO 65255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.18% |
| VALERIE M BURCH3 | 4118 HIGHWAY BB BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.12% |
| KORY L ALBRECHT3 | 5 ANNA DRIVE ST CHARLES, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 0.11% |
| MELODY B THOMPSON3 | 1206 MAIN AVE SOUTH BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.11% |
| ANDREW J LOEWEN3 | 321 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.10% |
| WENDY W BAXTER3 | 4650 ADA RD LIMA, OH 45801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.08% |
| BRYAN MURPHY3 Filed as: BRYAN J MURPHY | 2436 CRIPPLE CREEK DR SAINT LOUIS, MO 63129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.08% |
| VINCENT M MORELLI3 | 746 5TH ST LYNDHURST, NJ 07071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.07% |
| MORGAN LOEWEN3 Filed as: MORGAN L LOEWEN | 108 W FRONT ST FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.07% |
| RICHARD E EAKIN3 | 141 BITTERSWEET DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.07% |
| CRAIG E SMELIK3 | 1795 CLARKSON RD CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.05% |
| ANNA L HUNTER3 | 4128 WILLIS BLVD TOLEDO, OH 43623 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.05% |
| LACEY G MYRACLE3 | 107 E ELM ST PILOT KNOB, MO 63663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.05% |
| MARY E NOSBUSH3 | PO BOX 14 GARY, SD 57237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.03% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.03% |
| JOHN R. KOENIG3 | 3301 WAGGONER WOODS FESTUS, MO 63028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| TRACY L HOSTLER3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| JEREMY D CREWS3 | 11116 SOUTH TOWNE SQUARE SUITE 100 ST LOUIS, MO 63123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| SHAWN MICHAEL HOSTLER3 Filed as: SHAWN M HOSTLER | 513 COPPER MOUNTAIN CIR BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| CATHERINE M AULBACH3 | 840 FOXSPRINGS DR. CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DUSTIN T HARRIS3 | 915 COLORADO AVE GLENWOOD SPRINGS, CO 81601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AARON C EVERLY3 | 1123 WILKES BLVD SUITE 330 COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 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 | 896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 904 | $907K |
| Dental | COMMUNITY INSURANCE COMPANY | 904 | $907K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 849 | $496K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 849 | $496K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 849 | $594K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 849 | $496K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 904 | $907K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 849 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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.