| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY DORSEY3 | 139 F N. CENTRAL CLAYTON, MO 63105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51K | — | $51K | 20.87% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DRIVE ST LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $23K | $44K | 18.11% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $6K | $21K | 8.70% |
| AMY MARIE RENNER3 | 217 DEANE CT ST LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 3.47% |
| CROWN WEALTH MANAGEMENT INC3 | 11163 SOUTH TOWNE SQUARE ST LOUIS, MO 63123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 2.60% |
| GAIL DIANE AMES3 | 1224 STONE BLUFF DRIVE FENTON, MO 63026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 2.49% |
| DAWN M RUEHL3 | 1301 GLENDALE GARDENS DRIVE GLENDALE, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $690 | $2K | 0.70% |
| EDGHILL ENTERPRISES LLC3 | 3403 E SEEBLING MILE RD GRAND ISLAND, NE 68801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $193 | $1K | 0.58% |
| JADE CHRISTINE PINSON3 | 1224 STONE BLUFF DR FENTON, MO 63026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $132 | $1K | 0.53% |
| BART GAUNT3 | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $831 | $383 | $1K | 0.50% |
| ANNE OWENS3 | 1516 DEER LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $933 | $112 | $1K | 0.43% |
| DOROTHY RING3 | 8300 PLAZA GATE LN JACKSONVILLE, FL 32217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $812 | $147 | $959 | 0.39% |
| WALTETTA RHODES3 | PO BOX 1576 LOUISVILLE, KY 40201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $585 | — | $585 | 0.24% |
| LORI LEE BUMP3 | 1583 W BOSTON AVENUE FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $541 | $20 | $561 | 0.23% |
| DEBORAH LYNN FRANCO3 | 6753 RT 59 LOT C1 LEWIS RUN, PA 16738 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | $16 | $535 | 0.22% |
| BETTY ROMERO3 Filed as: BETTY A BRITT | 2525 TRIGGERFISH COURT HOLIDAY, FL 34691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | $171 | $463 | 0.19% |
| NORMA J DAVIS3 | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | $125 | $460 | 0.19% |
| CASSANDRA LONG3 | 829 ALDEN ST LENEXA, KS 66215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $352 | $54 | $406 | 0.17% |
| STACY LEIGH BENEDICK3 | 121 TETON LANE CAMDENTON, MO 65020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | $18 | $375 | 0.15% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $181 | $363 | 0.15% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | — | $308 | 0.13% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $30 | $224 | 0.09% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $50 | $205 | 0.08% |
| GAIL D GOODEN CORP3 | 1224 STONE BLUFF DRIVE FENTON, MO 63026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $18 | $180 | 0.07% |
| ALEXIS LOUISE LEWIS3 | 2741 DESOTO ST LONG BEACH, CA 90814 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $7 | $169 | 0.07% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $48 | $131 | 0.05% |
| RON BOWLING3 | 8575 W 110TH ST OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $53 | $106 | 0.04% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $21 | $82 | 0.03% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $23 | $69 | 0.03% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $25 | $69 | 0.03% |
| KIMBERLY PICKERILL3 | 524 MARQUETTE DRIVE LOUISVILLE, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.03% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $9 | $50 | 0.02% |
| THERESA NETTO PHILLIPS3 | 5219 S CLARA FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $4 | $45 | 0.02% |
| TRILOGY BENEFITS CONSULTING LLC3 | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $15 | $38 | 0.02% |
| DARYL E. MARTIN3 Filed as: DARYL E MARTIN | 12818 DOVE LAKE DRIVE LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| YOLO ENTERPRISE INC3 | 2581 HILLCREST ST SIGNAL HILL, CA 90755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $6 | $18 | 0.01% |
| ROY LEE TUCKER3 | PO BOX 41031 PASADENA, CA 91114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $2 | $14 | 0.01% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | DBA AHM INSURANCE GROUP 11975 WESTLINE INDUSTRIAL DR ST. LOUIS, MO 63146 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 11.82% |
| TIMOTHY DORSEY3 | 139 F N. CENTRAL CLAYTON, MO 63105 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | — | $7K | 20.98% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DRIVE ST LOUIS, MO 63122 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $2K | $4K | 11.92% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $412 | $2K | 6.45% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $108 | $1K | 3.44% |
| AMY MARIE RENNER3 | 217 DEANE CT ST LOUIS, MO 63127 | THE PAUL REVERE LIFE INSURANCE COMPANY | $595 | $116 | $711 | 2.13% |
| JANICE POWERS3 | 325 10TH STREET TROY, NY 12180 | THE PAUL REVERE LIFE INSURANCE COMPANY | $610 | — | $610 | 1.83% |
| AMANDA CLEMENTS3 | 11 LOUDONWOOD EAST LOUDONVILLE, NY 12211 | THE PAUL REVERE LIFE INSURANCE COMPANY | $606 | — | $606 | 1.81% |
| EDGHILL ENTERPRISES LLC3 | 3403 E SEEBLING MILE RD GRAND ISLAND, NE 68801 | THE PAUL REVERE LIFE INSURANCE COMPANY | $227 | $33 | $260 | 0.78% |
| DAVID J ROBERTS3 | 167 NEVINS ROAD HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | $236 | $21 | $257 | 0.77% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | THE PAUL REVERE LIFE INSURANCE COMPANY | $213 | $40 | $253 | 0.76% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $189 | $29 | $218 | 0.65% |
| DAWN M RUEHL3 | 1301 GLENDALE GARDENS DRIVE GLENDALE, MO 63122 | THE PAUL REVERE LIFE INSURANCE COMPANY | $90 | $20 | $110 | 0.33% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $33 | $3 | $36 | 0.11% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | $9 | $27 | 0.08% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | DBA AHM INSURANCE GROUP 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | SUN LIFE AND HEALTH INSURANCE COMPANY | $704 | — | $704 | 9.17% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 475 | $413K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 475 | $135K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 475 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.