| 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 | 14.39% |
| FIRST STATE INSURANCE AGENCY3 | 204 EAST LIBERTY STREET FARMINGTON, MO 63640 | STARMOUNT LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.47% |
| FIRST STATE INSURANCE AGENCY3 | 204 EAST LIBERTY FARMINGTON, MO 63640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 10.45% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE SAINT LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $32 | $2K | 3.93% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIRCLE COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $341 | $2K | 2.64% |
| AMY MARIE RENNER3 | 217 DEANE COURT SAINT LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | $0 | $192 | 0.33% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $0 | $157 | 0.27% |
| GAIL D GOODEN CORP3 Filed as: GAIL GOODEN CORP. AND OTHER AGENTS | 60 SPRING TRAIL COURT SAINT CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $0 | $112 | 0.19% |
| MARGARET BYRNE DIEFFENBACH3 | 7820 MARYLAND AVENUE CLAYTON, MO 63105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.18% |
| FIRST STATE INSURANCE AGENCY3 | 204 EAST LIBERTY FARMINGTON, MO 63640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 10.44% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE SAINT LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $22 | $1K | 4.88% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIRCLE COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $618 | $227 | $845 | 3.81% |
| AMY MARIE RENNER3 | 217 DEANE COURT SAINT LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $18 | $293 | 1.32% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $0 | $124 | 0.56% |
| GAIL D GOODEN CORP3 Filed as: GAIL GOODEN CORP. AND OTHER AGENTS | 60 SPRING TRAIL COURT SAINT CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.33% |
| MARGARET BYRNE DIEFFENBACH3 | 7820 MARYLAND AVENUE CLAYTON, MO 63105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 0.32% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 99 | $158K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 99 | $158K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $238K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $239K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $238K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 619 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.