| 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 | $10K | 14.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | $1 | $297 | 3.18% |
| CROWN WEALTH MANAGEMENT INC3 | 7418 STREAM VALLEY CT ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 1.37% |
| CRISTINA JOHNSON3 | 7418 STREAM VALLEY CT ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.59% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $1 | $52 | 0.56% |
| AMY MARIE RENNER3 | 217 DEANE CT ST LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $2 | $33 | 0.35% |
| JOHN W NISWONGER3 | 525 COUNTRY RD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.24% |
| CPU INC3 | PO BOX 792 CAPE GIRARDEAU, MO 63702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.16% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.11% |
| LISA D NISWONGER3 | 2711 THOMAS DR CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DR ST LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| NATASHA M MOSER3 | 409 E. CHESTNUT ST DESLOGE, MO 63601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| JOSEPH NISWONGER3 | 787 VAIL DR JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| SANFORD GARY GOLDBERG3 | 17A S SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TONYA J BROWN | 24320 WELDON DRIVE EUSTIS, FL 32736 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MICHAEL ROBERT GRAFMAN3 | 1227 MOMARTE LANE ST LOUIS, MO 63146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JO ANN PANTALONE3 Filed as: ANN M WEST | 3377 B HWY E PERRYVILLE, MO 63775 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 237 | $74K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 237 | $65K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 237 | $65K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 237 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.