| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 308 N 21ST STREET STE 100 ST LOUIS, MO 631031642 | UNITED HEALTHCARE INSURANCE COMPANY | — | $30K | $30K | 3.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 10.61% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $145 | $4K | 8.09% |
| DAVID NISWONGER3 | 8561 EVERETT AVENUE ST LOUIS, MO 63117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $929 | — | $929 | 2.07% |
| LISA D NISWONGER3 | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $710 | $82 | $792 | 1.77% |
| JOSEPH NISWONGER | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $553 | $35 | $588 | 1.31% |
| VICTORIA SIMONA STONE3 | 1706 BLOOMFIELD ROAD CAPE GIRARDEAU, MO 63703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | — | $357 | 0.80% |
| MEGAN ELIZABETH GONCHER | 2231 SILVER CAMPINE LN CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | — | $357 | 0.80% |
| SANFORD GARY GOLDBERG3 | 17A S SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $10 | $258 | 0.58% |
| JO ANN PANTALONE3 Filed as: ANN M WEST | 3377 B HIGHWAY E PERRYVILLE, MO 63775 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 0.36% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.29% |
| LAURA A RHEIN | 101 SCHLUETER GERMAINE ROAD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $9 | $121 | 0.27% |
| JENNIFER ROWLAND | 205 N SUNSET BLVD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $4 | $108 | 0.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $911 | $3K | 20.59% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE STE 350 VALHALLA, NY 10595 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $486 | $193 | $679 | 18.17% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 204 | $893K |
| Dental | DELTA DENTAL OF MISSOURI | 295 | $63K |
| Vision | ADVANTICA INSURANCE COMPANY | 235 | $15K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 271 | $65K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 271 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.