| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 222 S. RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY | $11K | $8K | $18K | 13.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 310 S. 1ST STREET SUITE 102 CHAMPAIGN, IL 61820 | CONTINENTAL AMERICAN INSURANCE COMPANY | $587 | — | $587 | 2.51% |
| JENNIFER S. HALL3 | 1566 HIGHWAY 28 OWENSVILLE, MO 65066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $508 | — | $508 | 2.17% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $493 | — | $493 | 2.11% |
| KATIE J WHITLEY3 | 1508 BODIE DRIVE COLUMBIA, MO 65202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | — | $217 | 0.93% |
| JEFFREY M SATTERLEE3 | 100 SUN AVENUE NE SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.86% |
| ERICA R ASHLEY3 | 2721 INDUSTRIAL DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 0.86% |
| CHAD M POSTON3 Filed as: CHAD M. POSTON | 2101 WEST BROADWAY SUITE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.53% |
| JOSEPH R GUNTHER3 | 845 WATERFORD VILLAS DR LAKE ST. LOUIS, MO 63367 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.50% |
| KORY L ALBRECHT3 Filed as: KORY L. ALBRECHT | 5 ANNA DRIVE ST. CHARLES, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.29% |
| JOSEPH R GUNTHER3 | 327 N TIAGO DR GILBERT, AZ 85233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.27% |
| FMJ GROUP LLC3 | 9 SUNNYFIELD ROAD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.27% |
| GEISLER INCORPORATED3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.23% |
| ROBERT DRUMMOND3 | 1120 S. 6TH STREET SUITE 110 SAINT LOUIS, MO 63104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.18% |
| BRADLEY T VANDEGRIFFE3 | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.18% |
| NATHAN L HARRISON3 | 16024 MANCHESTER ROAD SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.17% |
| JOSEPH KING3 | 2315 SANDALWOOD CREEK CT WILDWOOD, MO 630381548 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.16% |
| MELISSA JONES AND ASSOCIATES LLC3 Filed as: MELISSA JONES AND ASSOC LLC | 103 PENNANT DRIVE WASHINGTON, MO 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.10% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT. WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.09% |
| TY D MAYBERRY3 | 8451 RED OAK RD GERALD, MO 63037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.08% |
| DENZEL L CHAPMAN3 | 321 QUIET COUNTRY DRIVE ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.07% |
| JOHN A BACON3 | 11630 W 158TH TERRACE OAKLAND PARK, KS 66221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| JOSHUA LEE JONES3 Filed as: JOSHUA L JONES | 18032 DEERCLIFF CT GLENCOE, MO 63038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| JOHN STEVE ALLEY3 | 1012 CLAYTON DOUGLAS COURT CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| WESTERMAYER AND ASSOCIATES LLC3 Filed as: WESTERMAYER AND ASSOCIATES, LLC | 14901 QUORUM ROAD ADDISON, TX 75254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40242 | TRANSAMERICA LIFE INSURANCE COMPANY | $154 | — | $154 | 4.08% |
| NATIONAL CITY INSURANCE GROUP3 | 629 EUCLID AVENUE, 9TH FLOOR CLEVELAND, OH 44114 | TRANSAMERICA LIFE INSURANCE COMPANY | $14 | — | $14 | 0.37% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 258 | $139K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 258 | $139K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 258 | $143K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 68 | $23K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 258 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.