| 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 | $90K | $0 | $90K | 12.97% |
| LUKE ALLEN MARKS3 | 1615 SOUTHWEST BLVD, APT B JEFFERSON CITY, MO 65109 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $26K | $0 | $26K | 3.69% |
| SUSAN MARIE WEITKAMP3 Filed as: SUSAN WEITKAMP | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $6K | $2K | $9K | 1.24% |
| YESENIA HERNANDEZ3 | 6715 S KEELER AVE CHICAGO, IL 60629 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $6K | $2K | $7K | 1.08% |
| GABRIEL W HULSEY3 Filed as: GABRIEL HULSEY | 1500 PLEASANT VALLEY ROAD JEFFERSON CITY, MO 65109 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $5K | $924 | $6K | 0.86% |
| JENNIFER ROWLAND3 | 205 N SUNSET BLVD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $2K | $363 | $2K | 0.35% |
| MATTHEW KOHLER3 Filed as: MATTHEW RYAN KOHLER | 925 AMETHYST LANE JEFFERSON CITY, MO 65109 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.34% |
| BRIDGET ZUNIGA3 | 14608 W 62ND STREET SHAWNEE, KS 66216 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $2K | $299 | $2K | 0.29% |
| MELISSA K PERCELL3 Filed as: MELISSA PERCELL | 731 PLEASANT ST DENVER, MO 64441 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $2K | $218 | $2K | 0.26% |
| ERIN WEESE3 | 608 WASHINGTON STREET, #A JEFFERSON CITY, MO 65101 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $2K | $60 | $2K | 0.23% |
| LELAND SCOTT BURKHART3 | 4828 MCCORMICK STREET LAWRENCE, KS 66047 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $1K | $63 | $1K | 0.20% |
| JAMES MOORE3 | 2007 SW MEYER BLVD BLUE SPRINGS, MO 64015 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $1K | $40 | $1K | 0.17% |
| BECKY HULSEY3 | 308 E HIGH STREET, STE 101 JEFFERSON CITY, MO 65101 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.16% |
| LISA NELSON3 Filed as: LISA LOUISE NELSON | 5834 NOTTINGHAM AVE, APT 2W ST LOUIS, MO 63109 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $915 | $168 | $1K | 0.16% |
| LAURA A RHEIN3 Filed as: LAURA RHEIN | 101 SCHLUETER GERMAINE ROAD BELLEVILLE, IL 62220 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $721 | $105 | $826 | 0.12% |
| RON BOWLING3 | 8575W 110TH ST STE 210 OVERLAND PARK, KS 66210 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $732 | $10 | $742 | 0.11% |
| KANSAS BENEFIT COUNSELORS LLC3 Filed as: KANSAS BENEFIT COUNSELORS | 5211 W 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $346 | $170 | $516 | 0.07% |
| JANTELLE LAVONNE BONNER3 Filed as: JANTELLE BONNER | 99 N POST OAK LANE APT 5302 HOUSTON, TX 77024 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $418 | $9 | $427 | 0.06% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $418 | $0 | $418 | 0.06% |
| JOHN W NISWONGER3 Filed as: JOHN NISWONGER | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $200 | $30 | $230 | 0.03% |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSTON, MO 63755 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $198 | $12 | $210 | 0.03% |
| KORY L ALBRECHT3 Filed as: KORY LANE ALBRECHT | 5 ANNA DRIVE ST CHARLES, MO 63304 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $108 | $48 | $156 | 0.02% |
| GAIL D GOODEN CORP3 | 60 SPRING TRAIL COURT ST. CHARLES, MO 63303 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $105 | $35 | $140 | 0.02% |
| VALERIE ROBERTSON3 | 444 SCHNEIDER HILL CT FENTON, MO 63026 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $82 | $9 | $91 | 0.01% |
| LONNIE SCHULTZ3 | 12631 NEWTON STREET APT 21201 OVERLAND PARK, KS 66213 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.01% |
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INS AGENCY INCE | PO BOX 10 SIKESTON, MO 63801 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.00% |
| CONSTANCE NICOLE SCHMIDT3 | 4709 NE 104TH STREET KANSAS CITY, MO 64156 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.00% |
| DOUGLAS LOYAL NERDAHL3 | 4808 NW 77TH STREET OKLAHOMA CITY, OK 73132 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.00% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.00% |
| GRAND GUILLORY3 | 5116 FURLONG WAY ANTIOCH, CA 94531 | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 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 | $28K | $0 | $28K | 9.10% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $354 | $4K | 14.12% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | TRANSAMERICA LIFE INSURANCE CARRIER | $5 | $0 | $5 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE SYSTEMS, INC EIN 73-1188936 VENDOR | Consulting (general); Claims processing; Consulting (pension); Other fees Service code 12 | PO BOX 2175 MONROE, LA 71207 | $296K |
| VISION SERVICE PLAN EIN 36-3560825 ASO | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | PO BOX 600000 SAN FRANCISCO, CA 90074 | $15K |
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 | 1,776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | 1,127 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | 1,127 | $699K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | 1,127 | $725K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 25 | $31K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 622 | $310K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | 1,127 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,127 | — |
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.