| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2375 E CAMELBACK ROAD SUITE 250 PHOENIX, AZ 85016 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | $9K | $18K | 14.20% |
| JENNIFER S. HALL3 | 1566 HIGHWAY 28 OWENSVILLE, MO 65066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.18% |
| KATIE J WHITLEY3 | 1508 BODIE DRIVE COLUMBIA, MO 65202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.14% |
| JOSEPH R GUNTHER3 | 710 ABBOTTSFORD CT LAKE ST. LOUIS, MO 63367 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.97% |
| JEFFREY M SATTERLEE3 | 100 SUN AVENUE NE SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $756 | — | $756 | 3.00% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $663 | — | $663 | 2.63% |
| CHAD M POSTON3 Filed as: CHAD M. POSTON | 2101 WEST BROADWAY SUITE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $511 | — | $511 | 2.03% |
| ROBERT DRUMMOND3 | 1120 S. 6TH STREET SUITE 110 SAINT LOUIS, MO 63104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 0.86% |
| JOSEPH KING3 | 1115 MISSOURI AVENUE KIRKWOOD, MO 63122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.49% |
| KORY L ALBRECHT3 Filed as: KORY L. ALBRECHT | 5 ANNA DRIVE ST. CHARLE, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.33% |
| FMJ GROUP LLC3 | 9 SUNNYFIELD ROAD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.26% |
| GEISLER INCORPORATED3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.26% |
| NATHAN L HARRISON3 | 16024 MANCHESTER ROAD SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.23% |
| BRADLEY T VANDEGRIFFE3 | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.17% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT. WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.13% |
| JASON J BRINK3 | 1120 SOUTH 6TH STREET SUITE 110 ST. LOUIS, MO 63104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.12% |
| MELISSA JONES AND ASSOCIATES LLC3 Filed as: MELISSA JONES AND ASSOC LLC | 103 PENNANT DRIVE WASHINGTON, MO 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.10% |
| TY D MAYBERRY3 | 8451 RED OAK RD GERALD, MO 63037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.08% |
| DENZEL L CHAPMAN3 | 321 QUIET COUNTRY DRIVE ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.07% |
| VANDEGRIFFE INCORPORATED3 | 1600 HERITAGE LANDING SUITE 115 ST. CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| JOHN A BACON3 | 11630 W 158TH TERRACE OAKLAND PARK, KS 66221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| JOSHUA LEE JONES3 Filed as: JOSHUA L JONES | 18032 DEERCLIFF CT GLENCOE, MO 63038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| JOHN STEVE ALLEY3 | 1012 CLAYTON DOUGLAS COURT CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40242 | TRANSAMERICA LIFE INSURANCE COMPANY | $149 | — | $149 | 4.03% |
| NATIONAL CITY INSURANCE GROUP3 | 629 EUCLID AVENUE, 9TH FLOOR CLEVELAND, OH 44114 | TRANSAMERICA LIFE INSURANCE COMPANY | $15 | — | $15 | 0.41% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 260 | $128K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 260 | $128K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 260 | $132K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 79 | $25K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 260 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.