| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 200 W CYPRESS CREEK ROD 500 FORT LAUDERDALE, FL 33309 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $9K | -$927 | $8K | 0.71% |
| FIRST STATE INSURANCE AGENCY3 Filed as: FIRST STATE INSURANCE AGENCY INC | 204 E LIBERTY STREET FARMINGTON, MO 63640 | DELTA DENTAL OF MISSOURI | $5K | — | $5K | 6.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MISSOURI | $2K | — | $2K | 3.28% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $510 | $6K | 9.57% |
| DAVID NISWONGER3 | 8561 EVERETT AVENUE ST LOUIS, MO 63117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.37% |
| JOSEPH NISWONGER | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $179 | $1K | 1.93% |
| LISA D NISWONGER3 | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $74 | $1K | 1.80% |
| LAURA A RHEIN | 101 SCHLUETER GERMAINE ROAD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $768 | $127 | $895 | 1.44% |
| JENNIFER ROWLAND | 205 N SUNSET BLVD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $745 | $67 | $812 | 1.31% |
| SANFORD GARY GOLDBERG3 | 17A S SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | — | $194 | 0.31% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.21% |
| VICTORIA SIMONA STONE3 | 1706 BLOOMFIELD ROAD CAPE GIRARDEAU, MO 63703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $36 | $129 | 0.21% |
| MEGAN ELIZABETH GONCHER | 2231 SILVER CAMPINE LN CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $3 | $124 | 0.20% |
| FIRST STATE INSURANCE AGENCY3 Filed as: FIRST STATE INSURANCE AGENCY INC | 204 E LIBERTY FARMINGTON, MO 63640 | ANTHEM LIFE INSURANCE COMPANY | $26K | — | $26K | 153.94% |
| FIRST STATE INSURANCE AGENCY3 Filed as: FIRST STATE INSURANCE AGENCY INC | 204 E LIBERTY STREET FARMINGTON, MO 63640 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 8.30% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE STE 350 VALHALLA, NY 10595 | ADVANTICA INSURANCE COMPANY | $433 | — | $433 | 2.68% |
| USI INSURANCE SERVICES LLC3 | 308 N 21ST STREET STE 100 ST LOUIS, MO 631031642 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | — |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 142 | $1.2M |
| Dental | DELTA DENTAL OF MISSOURI | 307 | $72K |
| Vision | ADVANTICA INSURANCE COMPANY | 265 | $16K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 290 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
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.