| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST STATE INSURANCE AGENCY3 | 204 EAST LIBERTY STREET FARMINGTON, MO 63640 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 14.63% |
| FIRST STATE INSURANCE AGENCY3 | 204 EAST LIBERTY STREET FARMINGTON, MO 63640 | HUMANA INSURANCE COMPANY | $7K | $1K | $8K | 4.18% |
| FIRST STATE INSURANCE AGENCY3 | 204 EAST LIBERTY STREET FARMINGTON, MO 63640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 9.98% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE SAINT LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $860 | $4K | 5.96% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIRCLE COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $473 | $2K | 2.96% |
| MJ INSURANCE3 Filed as: STACY BENEDICK AND VARIOUS AGENTS | 121 TETON LANE CAMDENTON, MO 65020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $140 | $2K | 2.26% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $640 | $72 | $712 | 1.03% |
| AMY MARIE RENNER3 | 217 DEANE COURT SAINT LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $610 | $27 | $637 | 0.92% |
| GAIL D GOODEN CORP3 Filed as: GAIL D. GOODEN CORP. | 60 SPRING TRAIL COURT SAINT CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | $7 | $432 | 0.62% |
| FIRST STATE INSURANCE AGENCY3 | 204 EAST LIBERTY STREET FARMINGTON, MO 63640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 10.66% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE SAINT LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $343 | $1K | 7.58% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIRCLE COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $602 | $203 | $805 | 4.11% |
| AMY MARIE RENNER3 | 217 DEANE COURT SAINT LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $19 | $352 | 1.80% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $311 | $31 | $342 | 1.75% |
| MJ INSURANCE3 Filed as: M. DIEFFENBACH AND VARIOUS AGENTS | 7820 MARYLAND AVENUE CLAYTON, MO 63105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | $22 | $260 | 1.33% |
| GAIL D GOODEN CORP3 Filed as: GAIL D. GOODEN CORP. | 60 SPRING TRAIL COURT SAINT CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $3 | $207 | 1.06% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 232 | $184K |
| Vision | HUMANA INSURANCE COMPANY | 232 | $184K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $231K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $232K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $231K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 664 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.