| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST STE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $386 | $7 | $393 | 3.94% |
| CROWN WEALTH MANAGEMENT INC3 | 7418 STREAM VALLEY CT ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $4 | $174 | 1.74% |
| CHRISTINA JOHNSON3 | 7418 STREAM VALLEY CT ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.73% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $1 | $68 | 0.68% |
| ALYSSA PETTIT3 | 723 N. YOSEMITE CT ST. PETERS, MO 63123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.45% |
| NATASHA M MOSER3 | 409 E. CHESTNUT ST DESLOGE, MO 63601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.38% |
| JOHN W NISWONGER3 | 525 COUNTRY RD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.25% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $1 | $24 | 0.24% |
| CPU INC3 | PO BOX 792 CAPE GIRARDEAU, MO 63702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.18% |
| CAMERON STUHL3 | 4501 LINDELL ST. LOUIS, MO 63108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TONYA J BROWN | 24320 WELDON DRIVE EUSTIS, FL 32736 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.09% |
| MICHAEL ROBERT GRAFMAN3 | 1227 MOMARTE LANE ST LOUIS, MO 63146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.08% |
| LAURA A RHEIN3 | 101 SCHLUETER GERMAINE RD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.08% |
| LISA D NISWONGER3 | 2711 THOMAS DR CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| JOSEPH NISWONGER3 | 787 VAIL DR JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| AMY MARIE RENNER3 | 217 DEANE CT ST LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| JO ANN PANTALONE3 Filed as: ANN M WEST | 3377 B HWY E PERRYVILLE, MO 63775 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| SANFORD GARY GOLDBERG3 | 17A S SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DR ST LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| DEBRA ANN OWEN3 | RR1 BOX 1882 ADVANCE, MO 63730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 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 | 336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 259 | $73K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 259 | $63K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 259 | $63K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 259 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.