| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAWN M RUEHL3 Filed as: DAWN M. RUEHL | 1301 GLENDALE GARDENS DRIVE GLENDALE, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $7K | $16K | 8.24% |
| DANIEL BITZA3 | 76 HICKORY BLUFF LANE ARNOLD, MO 63010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $567 | $11K | 5.89% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $483 | $3K | 1.65% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $489 | $3K | 1.31% |
| STACY LEIGH BENEDICK3 | 121 TETON LANE CAMDENTON, MO 65020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.70% |
| GAIL D GOODEN CORP3 Filed as: GAIL D. GOODEN CORP | 60 SPRING TRAIL CT ST. CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 0.57% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | — | $371 | 0.19% |
| JADE CHRISTINE PINSON3 | 708 CHANTILLY CT BALLWIN, MO 63011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 0.16% |
| AMY MARIE RENNER3 | 217 DEANE CT ST. LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $6 | $116 | 0.06% |
| ANTHONY WILLIAM BANDERA3 | 12343 WORTHINGTON DR ST. LOUIS, MO 63128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| JEROME B CUMMISKEY3 | 1588 ATKINSON RD STE 201 LAWRENCEVILLE, GA 30043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| DAWN M RUEHL3 Filed as: DAWN M. RUEHL | 1301 GLENDALE GARDENS DRIVE GLENDALE, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 10.07% |
| DANIEL BITZA3 | 76 HICKORY BLUFF LANE ARNOLD, MO 63010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $100 | $2K | 5.49% |
| CAYLA BREDBENNER3 | 121 TETON LANE CAMDENTON, MO 65020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $486 | $98 | $584 | 1.67% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $361 | $93 | $454 | 1.29% |
| AMY MARIE RENNER3 | 217 DEANE CT ST. LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $4 | $175 | 0.50% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DR OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.21% |
| JACK HANSEN3 | 3048 LINDSEY DR LONGVIEW, WA 98632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.19% |
| STACY LEIGH BENEDICK3 | 121 TETON LANE CAMDENTON, MO 65020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.17% |
| GAIL D GOODEN CORP3 Filed as: GAIL D. GOODEN CORP | 60 SPRING TRAIL CT ST. CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.15% |
| JADE CHRISTINE PINSON3 | 708 CHANTILLY CT BALLWIN, MO 63011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 187 | $274K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 29 | $226K |
| Long-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 29 | $226K |
| Stop-loss / reinsurancereinsurance(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 29 | $226K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
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.