| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARATHON BENEFITS GROUP3 | PO BOX 927 CAPE GIRARDEAU, MO 63703 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 9.50% |
| SWINFORD & ASSOCIATES, INC.3 | PO BOX 282 JACKSON, MO 637550282 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.52% |
| TEMPLES, DOUGLAS A3 | 401 S. MULBERRY ST DEXTER, MO 63841 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$6 | $0 | -$6 | -1.19% |
| SANFORD GARY GOLDBERG3 | 17A S SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $357 | $7K | — |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY RD 233 CAPE GIRRDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $171 | $4K | — |
| LISA D NISWONGER3 Filed as: LISA D. NISWONGER | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $749 | $67 | $816 | — |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $379 | $69 | $448 | — |
| JO ANN PANTALONE3 Filed as: ANN M. WEST | 3377 B. HWY E PERRYVILLE, MO 63775 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $21 | $347 | — |
| DEBRA ANN OWEN3 | RR 1, BOX 1882 ADVANCE, MO 63730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $29 | $317 | — |
| EDWARD SEXTON3 | 8 CHARLES DRIVE SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | — |
| SUZANNE DUPLISSEY3 | 246 ROLLING FIELDS DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | — |
| MARK A. CONRAD3 | 3913 CAROLEWOOD DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | — |
| JOE W. FARMER3 | 2821 PARK PLACE POPLAR BLUFF, MO 63902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | — |
| DAVID NISWONGER3 | 8561 EVERITT AVENUE ST. LOUIS, MO 63117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | — |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 4258 DELOR STREET ST. LOUIS, MO 63116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | — |
| RICHARD C LANDMANN3 Filed as: RICHARD C. LANDMANN | 16938 RIVERDALE DRIVE CHESTERFIELD, MO 63005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | — |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 350 | $130K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 350 | $130K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 350 | $161K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 62 | $0 |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 350 | $130K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 288 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.