| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $119K | $0 | $119K | 14.94% |
| LUKE ALLEN MARKS3 Filed as: LUKE MARKS | 1615 SOUTHWEST BLVD, APT B JEFFERSON CITY, MO 65109 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $31K | $2K | $33K | 4.14% |
| SUSAN MARIE WEITKAMP3 Filed as: SUSAN WEITKAMP | 5051 JOSHUA DRIVE WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $7K | $5K | $12K | 1.47% |
| MATTHEW KOHLER3 | 925 AMETHYST LANE JEFFERSON CITY, MO 65109 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $6K | $6K | $11K | 1.41% |
| GABE HULSEY3 | 1500 PLEASANT VALLEY DRIVE JEFFERSON CITY, MO 65109 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $7K | $4K | $11K | 1.36% |
| BRIDGET ZUNIGA3 | 14608 W 62 ND ST SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $3K | $415 | $4K | 0.47% |
| ERIN WEESE3 | 610 WASHINGTON STREET JEFFERSON CITY, MO 65101 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $2K | $276 | $3K | 0.33% |
| YESENIA HERNANDEZ3 | 6715 S KEELER AVE CHICAGO, IL 60629 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $2K | $609 | $2K | 0.31% |
| MELISSA K PERCELL3 Filed as: MELISSA PERCELL | 731 PLEASANT ST DENVER, MO 64441 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $2K | $342 | $2K | 0.26% |
| JENNIFER ROWLAND3 | 205 N SUNSET BLVD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $1K | $235 | $2K | 0.19% |
| BECKY HULSEY3 | 308 EAST HIGH ST STE 101 JEFFERSON CITY, MO 65101 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $2K | $0 | $2K | 0.19% |
| VALERIE ROBERTSON3 | 3746 HIGHWAY K BONNE TERRE, MO 63628 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $1K | $15 | $1K | 0.18% |
| LAURA A RHEIN3 Filed as: LAURA RHEIN | 101 SCHLUETER GERMAINE ROAD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $934 | $144 | $1K | 0.13% |
| LONNIE SCHULTZ3 | 12631 NEWTON STREET OVERLAND PARK, KS 66213 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $1K | $27 | $1K | 0.13% |
| RON BOWLING3 | 8575 W 110TH ST OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $650 | $130 | $780 | 0.10% |
| KANSAS BENEFIT COUNSELORS LLC3 Filed as: KANSAS BENEFIT COUNSELORS | 5211 W 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $394 | $304 | $698 | 0.09% |
| KORY L ALBRECHT3 Filed as: KORY ALBRECHT | 5 ANNA DRIVE ST CHARLES, MO 63304 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $255 | $168 | $423 | 0.05% |
| DOUGLAS LOYAL NERDAHL3 Filed as: DOUGLAS NERDAHL | 4808 NW 77TH ST OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $351 | $0 | $351 | 0.04% |
| CONSTANCE N SCHMIDT3 Filed as: CONSTANCE SCHMIDT | 924 S 6TH ATCHISON, KS 66002 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $266 | $56 | $322 | 0.04% |
| LISA NELSON3 | 5834 NOTTINGHAM PLACE ST LOUIS, MO 63109 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $259 | $41 | $300 | 0.04% |
| JANTELLE LAVONNE BONNER3 Filed as: JANTELLE BONNER | 99 N POST OAD LANE, APT 5302 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $157 | $67 | $224 | 0.03% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $157 | $58 | $215 | 0.03% |
| JOHN W NISWONGER3 Filed as: JOHN NISWONGER | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $156 | $37 | $193 | 0.02% |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSTON, MO 63755 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $153 | $18 | $171 | 0.02% |
| MARIE SIMMS3 | 603 MEADOWBROOK CT WELLSVILLE, KS 66092 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $28 | $120 | $148 | 0.02% |
| GRAND GUILLORY3 | 5116 FURLONG WAY ANTIOCH, CA 94531 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $32 | $13 | $45 | 0.01% |
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INSURANCE AGENCY | PO BOX 10 SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $39 | $0 | $39 | 0.00% |
| JARRET THOMAS HONAHAN3 Filed as: JARRET HONAHAN | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $14 | $17 | $31 | 0.00% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $14 | $8 | $22 | 0.00% |
| GAIL D GOODEN CORP3 Filed as: GAIL GOODEN CORP | 60 SPRING TRAIL COURT ST CHARLES, MO 63303 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $15 | $5 | $20 | 0.00% |
| LISA D NISWONGER3 Filed as: LISA NISWONGER | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| INSURANCE SYSTEMS, INC3 | PO BOX 2175 MONROE, LA 71207 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $32K | $0 | $32K | 9.17% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.01% |
| DONALD BECKERLE3 | PO BOX 758 EUREKA, MO 63025 | TRANSAMERICA LIFE INSURANCE CARRIER | $105 | $0 | $105 | 1.12% |
| CORPORATE BENEFIT STRATEGIES, INC.3 Filed as: CORPORATE BENEFIT STRATEGIES, LLC | 201 BEVERLY STREET EUREKA, MO 63025 | TRANSAMERICA LIFE INSURANCE CARRIER | $80 | $0 | $80 | 0.85% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | TRANSAMERICA LIFE INSURANCE CARRIER | $3 | — | $3 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE SYSTEMS, INC EIN 73-1188936 VENDOR | Claims processing; Consulting (pension); Consulting (general); Other fees Service code 12 | PO BOX 2175 MONROE, LA 71207 | $260K |
| VISION SERVICE PLAN EIN 36-3560825 ASO | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Claims processing Service code 12 | PO BOX 600000 SAN FRANCISCO, CA 90074 | $16K |
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 | 1,744 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | 1,088 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | 1,088 | $809K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | 1,088 | $832K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 35 | $33K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 673 | $349K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDETN INSURANCE COMPANY | 1,088 | $809K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,088 | — |
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.