| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIFE DISABILITY ADMINISTRATIVE CONS3 Filed as: LIFE DISABILITY ADMINISTRATIVE | 1010 NORTHERN BLVD, STE 324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 10.00% |
| MARATHON BENEFITS GROUP3 | PO BOX 927 CAPE GIRARDEAU, MO 637020927 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| LIFE DISABILITY ADMINISTRATIVE CONS3 Filed as: LIFE DISABILITY ADMINISTRATIVE | 1010 NORTHERN BLVD, SUITE 324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 10.00% |
| MARATHON BENEFITS GROUP3 | PO BOX 927 CAPE GIRARDEAU, MO 637020927 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MARATHON BENEFITS GROUP3 | PO BOX 927 CAPE GIRARDEAU, MO 637020927 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $888 | $0 | $888 | 5.00% |
| LIFE DISABILITY ADMINISTRATIVE CONS3 Filed as: LIFE DISABILITY ADMINISTRATIVE | 1010 NORTHERN BLVD, STE 324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $888 | $0 | $888 | 5.00% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY RD 233 CAPE GIRRDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | — |
| LISA D NISWONGER3 Filed as: LISA D. NISWONGER | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $657 | $86 | $743 | — |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | $212 | $552 | — |
| SANFORD GARY GOLDBERG3 | 17A S SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | $163 | $518 | — |
| JO ANN PANTALONE3 Filed as: ANN M. WEST | 3377 B. HWY E PERRYVILLE, MO 63775 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $34 | $379 | — |
| DEBRA ANN OWEN3 | RR 1, BOX 1882 ADVANCE, MO 63730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $12 | $331 | — |
| EDWARD SEXTON3 | 8 CHARLES DRIVE SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $0 | $121 | — |
| STEPHANIE A. GILMAN3 | 105 SUMMER DR. SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $12 | $90 | — |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 4258 DELOR STREET ST. LOUIS, MO 63116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | — |
| SUZANNE DUPLISSEY3 | 246 ROLLING FIELDS DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | — |
| MARK A. CONRAD3 | 3913 CAROLEWOOD DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | — |
| JOE W. FARMER3 | 2821 PARK PLACE POPLAR BLUFF, MO 63902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | — |
| SWINFORD & ASSOCIATES, INC.3 | PO BOX 282 JACKSON, MO 637550282 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | — |
| MARATHON BENEFITS GROUP3 | PO BOX 927 CAPE GIRARDEAU, MO 63703 | PRINCIPAL LIFE INSURANCE COMPANY | $2 | $0 | $2 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHLINK, INC. EIN 04-3547142 VENDOR | Plan Administrator Service code 14 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $18K |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $79K |
| Vision(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $18K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 319 | $0 |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $0 |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $40K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 319 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.