| 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 | $10K | $6K | $16K | 12.52% |
| JOSEPH CHEEK3 Filed as: JOSEPH CREEK | 5206 OPAL DRIVE COLUMBIA, MO 65202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 310 S. 1ST STREET SUITE 102 CHAMPAIGN, IL 61820 | CONTINENTAL AMERICAN INSURANCE COMPANY | $765 | — | $765 | 2.39% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $533 | — | $533 | 1.67% |
| JEFFREY M SATTERLEE3 | 100 SUN AVENUE NE SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $459 | — | $459 | 1.43% |
| CHAD M POSTON3 Filed as: CHAD M. POSTON | 2101 WEST BROADWAY SUITE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $302 | — | $302 | 0.94% |
| JENNIFER S. HALL3 | 1566 HIGHWAY 28 OWENSVILLE, MO 65066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.31% |
| JOSEPH R GUNTHER3 | 845 WATERFORD VILLAS DR LAKE ST. LOUIS, MO 63367 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.27% |
| ERICA R ASHLEY3 | 2721 INDUSTRIAL DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.26% |
| KATIE J WHITLEY3 | 1508 BODIE DRIVE COLUMBIA, MO 65202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.22% |
| FMJ GROUP LLC3 | 9 SUNNYFIELD ROAD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.21% |
| JOSEPH R GUNTHER3 | 327 N TIAGO DR GILBERT, AZ 85233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.15% |
| KORY L ALBRECHT3 Filed as: KORY L. ALBRECHT | 5 ANNA DRIVE ST. CHARLES, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.12% |
| GEISLER INCORPORATED3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.12% |
| BRADLEY T VANDEGRIFFE3 | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.12% |
| NATHAN L HARRISON3 | 16024 MANCHESTER ROAD SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.12% |
| ROBERT DRUMMOND3 | 1120 S. 6TH STREET SUITE 110 SAINT LOUIS, MO 63104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.09% |
| JOSEPH KING3 | 2315 SANDALWOOD CREEK CT WILDWOOD, MO 630381548 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.09% |
| JASON J BRINK3 | 1120 SOUTH 6TH STREET SUITE 110 ST. LOUIS, MO 63104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.08% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT. WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| MELISSA JONES AND ASSOCIATES LLC3 Filed as: MELISSA JONES AND ASSOC LLC | 103 PENNANT DRIVE WASHINGTON, MO 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.06% |
| TY D MAYBERRY3 | 8451 RED OAK RD GERALD, MO 63037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| DENZEL L CHAPMAN3 | 321 QUIET COUNTRY DRIVE ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| VANDEGRIFFE INCORPORATED3 | 1600 HERITAGE LANDING SUITE 115 ST. CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| JOHN A BACON3 | 11630 W 158TH TERRACE OVERLAND PARK, KS 66221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| JOSHUA LEE JONES3 Filed as: JOSHUA L JONES | 18032 DEERCLIFF CT GLENCOE, MO 63038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| JOHN STEVE ALLEY3 | 1012 CLAYTON DOUGLAS COURT CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40242 | TRANSAMERICA LIFE INSURANCE COMPANY | $113 | — | $113 | 4.09% |
| NATIONAL CITY INSURANCE GROUP3 | 629 EUCLID AVENUE, 9TH FLOOR CLEVELAND, OH 44114 | TRANSAMERICA LIFE INSURANCE COMPANY | $14 | — | $14 | 0.51% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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 |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 210 | $129K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 210 | $129K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 210 | $132K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 68 | $32K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 210 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.