| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY DORSEY3 | 139 F N. CENTRAL CLAYTON, MO 63105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 5.13% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $90 | $5K | 2.55% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $353 | $5K | 2.26% |
| AMY MARIE RENNER3 | 217 DEANE CT ST. LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $40 | $3K | 1.42% |
| ANNE OWENS3 | 550 DAVISTOWN RD MIDWAY, KY 40218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $61 | $1K | 0.66% |
| CROWN WEALTH MANAGEMENT INC3 | 7418 STREAM VALLEY CT ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $986 | — | $986 | 0.47% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $704 | $187 | $891 | 0.42% |
| ALEXANDER COVE ALVARADO3 | 3373 HILL ROAD HIGHLAND, IL 62249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | $77 | $551 | 0.26% |
| GAIL D GOODEN CORP3 | 60 SPRING TRAIL CT ST. CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | — | $405 | 0.19% |
| EDGHILL ENTERPRISES LLC3 Filed as: EDGHILL ENTERPRISES LTD | 7811 FRAMTON RD LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | — | $281 | 0.13% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP INC | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $15 | $189 | 0.09% |
| DOROTHY RING3 | 8300 PLAZA GATE LN JACKSONVILLE, FL 32217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.05% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $5 | $111 | 0.05% |
| DAWN M RUEHL3 Filed as: DAWN M RUHL | 556 SOUTH CLAY AVENUE KIRKWOOD, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.04% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $12 | $69 | 0.03% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | P.O. BOX 243 LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.03% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.02% |
| NORMA J DAVIS3 | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| CHAU PHAN3 | 355 AVOCADO STREET COSTA MESA, CA 92627 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| CASSANDRA LONG3 | 8629 ALDEN ST LENEXA, KS 66215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| KRISTY L KRUMME-PEREZ3 | 69403 S 328 RD WAGONER, OK 74467 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| LORI LEE BUMP3 | 1583 W. BOSTON AVE FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TIFFANY DAWN BROWN | 6312 SIX MILE LN LOUISVILLE, KY 40218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| KRISTY COLGATE3 | 43 MAGILL DR. GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| KUHLMANN FINANCIAL SERVICES INC3 Filed as: KUHLMANN FINANCIAL SERVICES INC. | 46 WINDCASTLE ST CHARLES, MO 63304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.06% |
| KUHLMANN FINANCIAL SERVICES INC3 Filed as: KUHLMANN FINANCIAL SERVICES INC. | 46 WINDCASTLE DR ST. CHARLES, MO 633040445 | HUMANA INSURANCE COMPANY | $4K | $500 | $4K | 7.93% |
| AMY MARIE RENNER3 | 217 DEANE CT ST. LOUIS, MO 63127 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $39 | $2K | 4.15% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | THE PAUL REVERE LIFE INSURANCE COMPANY | $874 | $297 | $1K | 3.19% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $10 | $1K | 3.13% |
| TIMOTHY DORSEY3 | 139 F N. CENTRAL CLAYTON, MO 63105 | THE PAUL REVERE LIFE INSURANCE COMPANY | $719 | — | $719 | 1.96% |
| CROWN WEALTH MANAGEMENT INC3 | 7418 STREAM ALLEY CT ST. LOUIS, MO 63129 | THE PAUL REVERE LIFE INSURANCE COMPANY | $158 | — | $158 | 0.43% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | THE PAUL REVERE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.20% |
| EDGHILL ENTERPRISES LLC3 | 7811 FRAMTON RD LINCOLN, NE 68516 | THE PAUL REVERE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE HILLENBRAND | 227 HILL RD COBLESKILL, NY 12043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.11% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.11% |
| DAVID J ROBERTS3 | 167 NEVINS RD HENRIETTA, NY 14467 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| DAWN M RUEHL3 | 556 SOUTH CLAY AVENUE KIRKWOOD, MO 63122 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 327 | $52K |
| Vision | HUMANA INSURANCE COMPANY | 327 | $52K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 446 | $140K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 446 | $140K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 446 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.