| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DR STE 900 ST. LOUIS, MO 63141 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 9.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $737 | $81 | $818 | 5.78% |
| CROWN WEALTH MANAGEMENT INC3 | 11163 SOUTH TOWNE SQUARE ST. LOUIS, MO 63123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $24 | $303 | 2.14% |
| ALYSSA PETTIT3 | 11469 OLIVE BLVD ST. LOUIS, MO 63141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $14 | $107 | 0.76% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $13 | $106 | 0.75% |
| CRISTINA JOHNSON3 | 7418 STREAM VALLEY CT ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.61% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $1 | $85 | 0.60% |
| LAURA A RHEIN3 | 101 SCHLUETER GERMAINE RD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $16 | $52 | 0.37% |
| CAMERON STUHL3 | 4501 LINDELL ST. LOUIS, MO 63108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TONYA J BROWN | 24320 WELDON DR EUSTIS, FL 32736 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.25% |
| LINDA SUE TAYLOR3 | 4113 SE 19TH AVE CAPE CORAL, FL 33904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.20% |
| VIRGINIA MARIE GRAB3 | 7417 STREAM VALLEY CT ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.14% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BLVD ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.07% |
| JOHN PICCININI3 | 425 W COLONIAL DR STE 304 ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.04% |
| JOHN W NISWONGER3 | 525 COUNTY RD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
| CPU INC3 | PO BOX 792 CAPE GIRARDEAU, MO 63702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| LISA D NISWONGER3 | 2711 THOMAS DR CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| JOSEPH NISWONGER3 | 787 VAIL DR JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 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 | 266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 261 | $91K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 261 | $76K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 261 | $76K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 261 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.