| 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 | $89K | $0 | $89K | 12.70% |
| LUKE ALLEN MARKS3 | 1615 SOUTHWEST BLVD, APT B JEFFERSON CITY, MO 65109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | $0 | $26K | 3.70% |
| YESENIA HERNANDEZ3 | 6715 S KEELER AVE CHICAGO, IL 60629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $11K | 1.51% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $9K | 1.23% |
| GABRIEL W HULSEY3 | 1500 PLEASANT VALLEY ROAD JEFFERSON CITY, MO 65109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $26 | $6K | 0.84% |
| BRIDGET ZUNIGA3 | 14608 W 62ND ST SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $341 | $2K | 0.35% |
| TANA L MAY3 | PO BOX 455 HARRISON, AR 72602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $113 | $2K | 0.30% |
| ERIN WEESE3 | 608 WASHINGTON STREET #A JEFFERSON CITY, MO 65101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $20 | $2K | 0.22% |
| JENNIFER ROWLAND3 | 205 N SUNSET BLVD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $974 | $233 | $1K | 0.17% |
| MATTHEW KOHLER3 Filed as: MATTHEW RYAN KOEHLER | 925 AMETHYST LANE JEFFERSON CITY, MO 65109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.16% |
| BECKY HULSEY3 | 308 E HIGH STREET STE 101 JEFFERSON CITY, MO 65101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.14% |
| LISA NELSON3 Filed as: LISA LOUIS NELSON | 5834 NOTTINGHAM AVE APT 2W ST LOUIS, MO 63109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $734 | $216 | $950 | 0.14% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $576 | $0 | $576 | 0.08% |
| JANTELLE LAVONNE BONNER3 | 99 N POST OAK LANE APT 5302 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $576 | $0 | $576 | 0.08% |
| HARBISON BENEFIT CONSULTANTS LLC3 Filed as: HARBISON BENEFIT CONSULTANTS | PO BOX 386 PILOT KNOB, MO 63663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $545 | $0 | $545 | 0.08% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $333 | $492 | 0.07% |
| RON BOWLING3 | 8575 W 110TH ST STE 210 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | $35 | $355 | 0.05% |
| KYLE HARDING3 | 314 HARDING ROAD NASHVILLE, AR 71852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $95 | $254 | 0.04% |
| LACEY G MYRACLE3 Filed as: LACEY GENNELLE MYRACLE | PO BOX 386 PILOT KNOB, MO 63663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $0 | $213 | 0.03% |
| LELAND SCOTT BURKHART3 | 4828 MCCORMICK ST LAWRENCE, KS 66047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $0 | $208 | 0.03% |
| MELISSA K PERCELL3 | 731 PLEASANT STREET DENVER, MO 64441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | $9 | $177 | 0.03% |
| VALERIE ROBERTSON3 | 687 CONOVER LANE ST LOUIS, MO 63126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $26 | $127 | 0.02% |
| JAMES MOORE3 | 2007 SW MEYER BLVD BLUE SPRINGS, MO 64015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 0.02% |
| ABIGAYLE DEBORAH PHILLIPS3 | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.02% |
| JAMIE L BLANKENSHIP3 Filed as: JAMIE BLANKENSHIP | 5253 WHITE OAK DRIVE SMITHTON, IL 62285 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.01% |
| LAURA A RHEIN3 Filed as: LAURA RHEIN | 101 SCHLUETER GERMAINE ROAD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $9 | $96 | 0.01% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $17 | $96 | 0.01% |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $32 | $92 | 0.01% |
| GAIL D GOODEN CORP3 | 60 SPRING TRAIL COURT ST CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $7 | $60 | 0.01% |
| KANSAS BENEFIT COUNSELORS LLC3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $22 | $43 | 0.01% |
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INS AGENCY INC | PO BOX 10 SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.00% |
| TGL ASSOCIATES LLC3 | 3046 S DELAWARE AVE, STE A SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.00% |
| JIM BRADLEY3 | 3046 S DELAWARE AVE STE A SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.00% |
| D PHILLIPS INS LLC3 Filed as: D PHILLIPS INS, LLC | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $4 | $20 | 0.00% |
| LONNIE SCHULTZ3 | 12631 NEWTON STREET APT 21201 OVERLAND PARK, KS 66213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.00% |
| KORY L ALBRECHT3 Filed as: KORY LANE ALBRECHT | 5 ANNA DRIVE ST CHARLES, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| DOUGLAS LOYAL NERDAHL3 | 4808 NW 77TH STREET OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | 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 | $29K | $0 | $29K | 9.11% |
| ACRISURE LLC3 Filed as: ACRISURE MEDWEST PARTNERS INSURANCE | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE GUARDIAN LIFE INSURNCE COMPANY OF AMERICA | $0 | $178 | $178 | 0.81% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | TRANSAMERICA LIFE INSURANCE CARRIER | $4 | $0 | $4 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE SYSTEMS, INC EIN 73-1188936 VENDOR | Consulting (pension); Other fees; Consulting (general); Claims processing Service code 12 | PO BOX 2175 MONROE, LA 71207 | $287K |
| 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 | $14K |
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 | 1,516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 565 | $314K |
| Life insurance | TRANSAMERICA LIFE INSURANCE CARRIER | 10 | $5K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 975 | $722K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 975 | $722K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 565 | $314K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 975 | $704K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 975 | — |
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.