| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST STATE INS AGENCY INC3 | 1118 HAMPTON AVE ST LOUIS, MO 63139 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $46K | $46K | 2.16% |
| FIRST STATE INSURANCE AGENCY3 Filed as: FIRST STATE INSURANCE AGENCY INC | 204 E LIBERTY STREET FARMINGTON, MO 63640 | DELTA DENTAL OF MISSOURI | $16K | — | $16K | 14.54% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $720 | $7K | 9.89% |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $201 | $1K | 2.02% |
| JENNIFER ROWLAND3 | 205 N SUNSET BLVD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $211 | $1K | 1.79% |
| LISA D NISWONGER3 | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $26 | $1K | 1.78% |
| DAVID NISWONGER3 | 8561 EVERETT AVENUE ST LOUIS, MO 63117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.65% |
| LAURA A RHEIN3 | 101 SCHLUETER GERMAINE ROAD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $777 | $82 | $859 | 1.24% |
| SANFORD GARY GOLDBERG3 | 6232 SNOWBIRD DRIVE FRENCH VILLAGE, MO 63703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $680 | — | $680 | 0.98% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.16% |
| JO ANN PANTALONE3 Filed as: ANN M WEST | 1600 MIDAMERICA ST UNIT 1613 PERRYVILLE, MO 63775 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| FIRST STATE INS AGENCY INC3 | 204 E LIBERTY STREET FARMINGTON, MO 63640 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 12.69% |
| FIRST STATE INSURANCE AGENCY3 Filed as: FIRST STATE INSURANCE AGENCY INC | 204 E LIBERTY STREET FARMINGTON, MO 63640 | ADVANTICA INSURANCE COMPANY | $2K | — | $2K | 9.21% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $2.1M |
| Dental | DELTA DENTAL OF MISSOURI | 397 | $108K |
| Vision | ADVANTICA INSURANCE COMPANY | 350 | $22K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 412 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.