| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOCIATE GROUP3 Filed as: CONSOCIATE HEALTH | 2828 N MONROE ST DECATUR, IL 62526 | QBE INSURANCE | — | $90K | $90K | 25.70% |
| MITCHELL INSURANCE INC3 | PO BOX 10 SIKESTON, MO 63801 | QBE INSURANCE | $48K | — | $48K | 13.67% |
| FOCUS RX3 | 5904 STONE CREEK DR SUITE 120 THE COLONY, TX 75056 | QBE INSURANCE | — | $20K | $20K | 5.74% |
| H180 INSURANCE COALITION3 | 1256 PARK ROAD CHANHASSEN, MN 55317 | QBE INSURANCE | — | $10K | $10K | 2.73% |
| PRECEDENCE INC.3 | 350 JOHN DEERE ROAD MOLINE, IL 61265 | QBE INSURANCE | — | $5K | $5K | 1.31% |
| FIRST HEALTH3 | 23291 NETWORK PLACE CHICAGO, IL 606731232 | QBE INSURANCE | — | $2K | $2K | 0.45% |
| MITCHELL INSURANCE INC3 | PO BOX 10 SIKESTON, MO 63801 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 10.01% |
| MITCHELL INSURANCE INC3 | PO BOX 10 SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $31 | $4K | 6.59% |
| JOSEPH NISWONGER3 | 787 VAIL DR JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $464 | $2K | 3.91% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $190 | $2K | 3.48% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE RD WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $720 | $213 | $933 | 1.57% |
| SETH GREGORY COLWICK3 | 901 N MAIN ST SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | — | $301 | 0.51% |
| JENNIFER ROWLAND3 | 205 N SUNSET BLVD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $23 | $282 | 0.48% |
| LAURA A RHEIN3 | 101 SCHLUETER GERMAINE RD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $32 | $239 | 0.40% |
| SANFORD GARY GOLDBERG3 | 314 N LORIMIER ST CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.22% |
| MARISSA DIRNBERGER3 | PO BOX 69 ADVANCE, MO 63730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.11% |
| LEIGH L ARMSTRONG3 | 1330 WALNUT WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.07% |
| THE LIFE ASSOCIATES INC3 | PO BOX 226 BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DR BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| STEVEN BREWER3 Filed as: STEVEN P LINDSAY | PO BOX 766 LEXINGTON, KY 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DORIS LINDA MARTIN3 | PO BOX 375 LEXINGTON, KY 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BENEFITS FIRST LLC3 | PO BOX 766 LEXINGTON, KY 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| L&L CONSULTING Filed as: L&L CONSULTING LLC | PO BOX 802 LEXINGTON, KY 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MITCHELL INSURANCE INC3 | PO BOX 10 SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $19 | $3K | 7.95% |
| JOSEPH NISWONGER3 | 787 VAIL DR JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $255 | $1K | 3.76% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $116 | $1K | 3.64% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE RD WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $114 | $553 | 1.50% |
| SETH GREGORY COLWICK3 | 901 N MAIN ST SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.56% |
| JENNIFER ROWLAND3 | 205 N SUNSET BLVD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | $10 | $178 | 0.48% |
| LAURA A RHEIN3 | 101 SCHLUETER GERMAINE RD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $21 | $153 | 0.42% |
| SANFORD GARY GOLDBERG3 | 314 N LORIMIER ST CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.30% |
| MARISSA DIRNBERGER3 | PO BOX 69 ADVANCE, MO 63730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.11% |
| THE LIFE ASSOCIATES INC3 | PO BOX 226 BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| VIOLET P COOTS3 | 1410 WHALEN RD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT 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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QBE INSURANCE | 159 | $351K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 312 | $150K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 312 | $150K |
| Life insurance(3 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 312 | $247K |
| Short-term disability(3 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 312 | $247K |
| Long-term disability(3 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 312 | $247K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 159 | $351K |
| Other(3 contracts, 2 carriers) | QBE INSURANCE | 159 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.