| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99K | $0 | $99K | 21.53% |
| LUK ALLEN MARKS3 | 1615 SOUTHWEST BLVD, APT B JEFFERSON CITY, MO 65109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $10K | $40K | 8.58% |
| GABRIEL W HULSEY3 | 1500 PLEASANT VALLEY DRIVE JEFFERSON CITY, MO 65109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $25K | $36K | 7.74% |
| MATTHEW KOHLER3 | 1201 ASHBURY WAY WARDSVILLE, MO 65101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $912 | $10K | 2.27% |
| SUSAN MARIE WEITKAMP3 Filed as: SUSAN WEITKAMP | 5051 JOSHUA DRIVE WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 1.53% |
| BECKY HULSEY3 | 308 E HIGH ST, STE 101 JEFFERSON CITY, MO 65101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.24% |
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INSURANCE AGENCY | PO BOX 10 SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.00% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| LISA D NISWONGER3 Filed as: LISA NISWONGER | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| INSURANCE SYSTEMS, INC3 | PO BOX 2175 MONROE, LA 71207 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $34K | $0 | $34K | 9.09% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.69% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | TRANSAMERICA LIFE INSURANCE CARRIER | $4 | $0 | $4 | 0.06% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | METROPOLITAN LIFE INSURANCE COMPANY | $942 | $0 | $942 | 58.29% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 346.41% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE SYSTEMS, INC EIN 73-1188936 VENDOR | Claims processing; Consulting (general); Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | PO BOX 2175 MONROE, LA 71207 | $285K |
| VISION SERVICE PLAN EIN 36-3560825 ASO | Claims processing; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | PO BOX 600000 SAN FRANCISCO, CA 90074 | $17K |
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 | 1,845 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,114 | $842K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,114 | $468K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,114 | $492K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 39 | $31K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 683 | $379K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,114 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,114 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.