| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL BITZA3 | 76 HICKORY BLUFF LANE ARNOLD, MO 63010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43K | $12K | $55K | 25.42% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DR ST LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $8K | $16K | 7.46% |
| DAWN M RUEHL3 Filed as: DAWN RUEHL | 1301 GLENDALE GARDENS CGT GLENDALE, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $5K | $15K | 6.98% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 5.05% |
| STACEY L BENEDICK3 | 121 TETON LANE CAMDENTON, MO 65020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $552 | $7K | 3.18% |
| GAIL D GOODEN CORP3 Filed as: GAIL GOODEN CORP | 1224 STONE BLUFF DR FENTON, MO 63026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $733 | $4K | 1.98% |
| DAVID SPARKS PURVIS3 Filed as: DAVID S PURVIS | 3840 SADDLE BEND DR OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $860 | $4K | 1.75% |
| GAIL D GOODEN CORP3 Filed as: GAIL D AMES | 1224 STONE BLUFF DR FENTON, MO 63026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $686 | $4K | 1.73% |
| JADE CHRISTINE PINSON3 | 708 CHANTILY CT BALLWIN, MO 63011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $210 | $4K | 1.68% |
| ANTHONY WILLIAM BANDERA3 Filed as: ANTHONY W BANDERA | 12343 WORTHINGTON DR ST LOUIS, MO 63128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $716 | $94 | $810 | 0.37% |
| JOHN R JOHN3 | 948 REDDOCH RD MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | $19 | $334 | 0.15% |
| J SHANNON SHEPPARD3 | 10105 GILLESPIE OAK DR LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | $14 | $329 | 0.15% |
| AMY MARIE RENNER3 | 217 DEANE CT ST LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $8 | $66 | 0.03% |
| SANDRA L AYERS3 Filed as: SANDRA AYERS | 19230 LAKE FRANCES ROAD MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| KENT A SHERMAN3 | 19230 LAKE FRANCES ROAD MAPLE VALLEY, WA 96038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| DANIEL BITZA3 | HICKORY BLUFF LANE ARNOLD, MO 63010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $7K | 21.48% |
| DAWN M RUEHL3 | 1301 GLENDALE GARDEN DR GLENDALE, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $708 | $2K | 6.45% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD SCHOOLEY | 563 BALLAS PARK ST LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 6.23% |
| CAYLA BREDBENNER3 | 1337 COMMONS DR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $424 | $1K | 4.45% |
| JACK HANSEN3 | 3048 LINDSEY DR LONGVIEW, WA 98632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $831 | $36 | $867 | 2.61% |
| STACY LEIGH BENEDICK3 | 121 TETON LANE CAMDENTON, MO 65020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $691 | $59 | $750 | 2.26% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DR OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $524 | $152 | $676 | 2.04% |
| ANN MARIE RENNER3 | 217 DEANE CT ST LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $452 | $61 | $513 | 1.55% |
| KENT ANTHONY SHERMAN3 Filed as: KENT ANTHONY SHERMAY | 19230 LAKE FRANCES ROAD MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $185 | $267 | 0.80% |
| JADE CHRISTINE PINSON3 | 708 CHANTILLY CT BALLWIN, MO 63011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $12 | $202 | 0.61% |
| SANDRA L AYERS3 | 19230 LAKE FRANCIS ROAD MAPLE VALLEY, WA 98038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $93 | $175 | 0.53% |
| GAIL D GOODEN CORP3 Filed as: GAIL D AMES | 1224 STONE BLUFF DR FENTON, MO 63026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $29 | $160 | 0.48% |
| GAIL D GOODEN CORP3 | 1224 STONE BLUFF DRIVE FENTON, MO 63026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $25 | $156 | 0.47% |
| JOHN R JOHN3 | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $3 | $57 | 0.17% |
| J SHANNON SHEPPARD3 | 10105 GILESPIE OAK DR LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $2 | $55 | 0.17% |
| ANTHONY WILLIAM BANDERA3 | 12343 WORTHINGTON DR ST LOUIS, MO 63128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $2 | $16 | 0.05% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 127 | $251K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 127 | $251K |
| Long-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 127 | $251K |
| Stop-loss / reinsurancereinsurance(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 127 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.