| 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 | 14.06% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 9.84% |
| KARI ANN DAVIS3 Filed as: KARI A DAVIS | 325 SUNWARD DRIVE OFALLON, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 9.13% |
| SHIRLEY ANN VEJVODA3 Filed as: SHIRLEY A VEJVODA | 331 SAN MARCO WAY ST PETERS, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.90% |
| JEFFREY M SATTERLEE3 | 100 SUN AVE NE STE 650 ALBUQUERGUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.30% |
| JOSEPH R GUNTHER3 | 327 N TIAGO DR GILBERT, AZ 85233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.05% |
| LINDA BUCHMANN3 | 137 KEYSTONE RIDGE DRIVE OFALLON, MO 63366 | CONTINENTAL AMERICAN INSURANCE COMPANY | $997 | — | $997 | 1.61% |
| DAVID E SCHMIDT3 Filed as: DAVID SCHMIDT | 331 SAN MARCO WAY ST PETERS, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $871 | — | $871 | 1.41% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVE BOCA RATON, FL 33432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $532 | — | $532 | 0.86% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVE BOCA RATON, FL 33432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | — | $323 | 0.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | — | $424 | 4.26% |
| CROWN WEALTH MANAGEMENT INC3 | 7418 STREAM VALLEY CT ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 1.86% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $7 | $128 | 1.29% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $3 | $57 | 0.57% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $6 | $27 | 0.27% |
| JOHN W NISWONGER3 | 525 COUNTY RD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.24% |
| CPU INC3 | PO BOX 792 CAPE GIRARDEAU, MO 63702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.15% |
| CRISTINA JOHNSON3 | 7418 STREAM VALLEY CT ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.13% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.12% |
| 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% |
| SANFORD GARY GOLDBERG3 | 222 GOOD HOPE ST CAPE GIRARDEAU, MO 63703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| JO ANN PANTALONE3 Filed as: ANN M WEST | 1600 MIDAMERICA ST UNIT 1613 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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 247 | $134K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 247 | $62K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 247 | $62K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 247 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.